However, one appears to have a higher credit score than the other.

I was under the impression that because they are focused on the property, they don't usually care much about your credit score.

If you use it without compiling debt and pay it off, in the long run this can help you a ton with your credit score and improve your ability to get a loan.

I use the Mac OS version of the HP 10bii on a daily basis.

By the way 'learning to underwrite and being a skeptic' that is far more meaningful to success than intro, extro version.

Underqualified or beginning applicants will often use a relative to help secure their application, improving credit score and income.

RIA also has a similar tool however I prefer CCH's version based on experience. 

If you want to get a PhD in Business than getting an MBA from a top 15 or so school could help springboard you in a PhD program, but you still have to have top GMAT scores for that. 

I determine that risk during the application process using a score sheet that assesses employment, credit, and rental history.

I am working on a score sheet that automatically gives a tenant a score and pass/ fail mark depending on each property's minimum qualification standards by simply entering information found on a application background check.