I do plan on waiting about a year, and in this time I will take every step necessary to improve on my mid 500 score.

@Brian TranAlso, I am working on improving my credit before I do my first deal.

Also, you should be charging/paying at least 1 thing per month on each card (a pair of socks, pack of gum, whatever) so that your payment history can improve your score over time.

At this point I have zero experience investing in real estate investing and I've only been financially aware (i guess i'll call it that) for about a year. 

Both 3 unit houses cash flowed right out the gates and will continue to profit greater as I improve the places and raise the rents.

The 1% rule does or does not include the Cap Ex improvements? 

Aaron Amuchastegui, Manager, Homerock, LLC See the answers to these questions and more in the Speaker E-book here.The following speakers have contributed to our E-book: Aaron Amuchastegui, Manager, Homerock, LLCKevin Baldridge, President, Tricon American HomesBruce Bartlett, Managing Partner, Sequoia Real Estate PartnersMark Bloom, Principal, NetWorth RealtyGreg Coleman, Co-Founder & Managing Partner, Revest Asset Management Steve Daniele, CEO, Shannon Staley And SonsKathy Fettke, Co-CEO, Real Wealth NetworkRandy Hagedorn, Senior Vice President, Tricon American HomesLee Kearney, Owner, Southeast Property Investments NetworkIsaac Kyle, CEO, GOAL Property, LLCSandor Lau, Chief Inspiration Officer, Noted Financial Ryan McGarry, Managing Partner, COO, VineBrook HomesWade McGuinn,CEO, McGuinn Hybrid HomesMarcos Morales, Executive Director, Hogar Hispano, Inc.William Powers, President, RTO Property Michael Saccento, Director, Figure Doug Smith, Portfolio Manager & COO, Castle Rock Capital ManagementKelly Stumphauzer, Owner, Prosper ClevelandThey will be joined by over 170 esteemed industry speakers who will be discussing the key issues and opportunities in the single family rental investment market.

I was about to sign with Country Financial on a personal policy (bundled with my auto) when they told me yesterday that the policy they quoted for this passed week will no longer work. 

Something about improving my community just makes me excited to wake up in the morning and makes me feel like I'm doing something great for others and my community.

My biggest mistake was planning to do the "value add" improvements myself to save money.