@Charles Bright  Rates are based on the type of transaction (purchase / refinance / cash out refi), occupancy (owner occupied or investment), credit score, loan amount and percentage down payment, property value or purchase price, and property type (SFR / 2 unit / 3 unit / 4 unit).  

Nonetheless, I get it, but it's incredibly annoying that this inspector is only now coming into the picture.Should I be doing something now to make up for lost time?

What is your fico score?

My credit score and income are good. 

I just joined BP and m diving into the incredible reservoir of info here.

For example, if you are interested in only gathering rent, then Credit Score is probably going to be a good tool to use.

I'll have rental incomes of $2000+ each month, which is incredible cash flow from a $585 mortgage payment (taxes included). $40k income job. 

I heard about bigger pockets through another re podcast and have found it to be an incredible resource! 

I have a 680-690 credit score.

Places that will be easy to sale and easy to rent with quality renter ) credit score over 700 and anual income 45 times of rent )Anyone has any suggestion where should I look and preferable with a zip code ?