Credit score?

The seller is happy because they'll be able to rescue their credit score and some equity.The problem is finding a title company to close the deal.  

But at least for refinancing on my primary, if I want to do it, maybe in 2 months since rates are going up...I'm just afraid of credit score being pulled off to many times, and that I will get a bad rate

This was the norm during the great recession, when having cash and cash equivalents provided the ability to score (longer term) bargains.

HELOC could decrease your credit score as it would consider as revolving, in case if you will use it more that 50%.

Ive began getting my credit scores up and im in the high 600's and will be in the 700s before buying.

This way you can build some funds and make sure your financial picture ( credit Score ) is ready to take on projects.

Once you are able to save 20 percent for a down payment if you have a decent credit score, and not too much debt you can purchase your first rental(if that's your choice to get started) and start from there.

Call me crazy, but when stuff hits the fan the thing that will help you most is references, previous landlords notes, job information and discussion, and how they maintain the cleanliness of their vehicle...a credit score is last in my book for a solid tenant and I've had one late payment in 5 years with 14 rental doors.  

It's free, they will give you your credit scores, and most importantly : they will update you if anything changes in your credit report.Last week I got one of their alerts, and there it was : a derogatory remark put in my report by a collection agency.