Let me tell you that I was at a point in my life where I had no job, 2 kids credit card debt up the ying yang and a very serious legal issue that set me back 6 years.

My RE agent who wrote up an offer for an REO (HSBC Bank) was told that she had to provide a cc on the site and her card would be charged if my offer was accepted?  

While at a graduation party"Our landlord was excellent here is his card give him a call, he may have something available"vs"Our landlord was good till we tried to leave and then he nickel and dimed us all the way to the end, I'd steer clear of (insert name here)"

Great lot size and a house with "great bones" (the architecture of the house is very classic style of this area).  

Right now I have my direct deposit going into a Bills account, from which I pay off my credit card every month and pay my primary mortgage and all fixed expenses like utilities.

The wild card that I am missing is a preliminary cost for rehabbing the property to get to my ARV and seeing if the property is worth taking a look at to firm up the rehab numbers.I am thinking of possibly adding a certain cost per square foot or even a certain percentage of the differential between the purchase price and the ARV but I don't have a clue where to start.  

Credit scores change monthly, actually quicker if you use credit e.g. credit cards, car loans, etc.  

Go to your local REA, get everyone's card.

If they call you on it call them transphobic (the trump card to win any argument) and dial your local ACLU.

Her monthly payment comes to her via a debit card.