His credit score has been pinged from opening new credit cards throughout the process.  

My debt to income ratio, payment history, and credit score are all in very good standing.

You want to make sure the people that you rent to will take care of your property and will be able and willing to pay their rent each and every month on time.You can set your own standards with the back ground check company regarding each area such as requiring income of 3x monthly rent, requiring a certain credit score, etc.

To provide some context, I have a 780+ credit score, looking to borrow $142,000 with a completely clean history and no loans.  

Here is an overview of my situation:* I have a credit score of around 710 and a gross income of around $2300 per month.* I have never had a mortgage nor have I ever had an eviction.* I have no debt service obligations other than $180 per month in credit card payments and $70 per month in car insurance.* I have a 9-year-old chapter 7 bankruptcy that was due to medical bills.My parents have offered to help me financially, which would consist of them taking out a line of credit on a rental property they own free and clear to loan to me, which I would be required to repay at a flat 10% of the money borrowed (for down payment, fixed & holding costs, and renovations).  

Your credit score, debt to income ratio, and income stability all play a factor.

Thank God I kept a good Credit score!

So if the conventional rule says "credit score of 660 required" the bank can say "we require 680".  

I love the BP podcasts and you're absolutely right the information is incredible!

Carlton sheets course and the dean grasiosi course I've also taken The realtor scores from COTC I've held back from investing for fear of losing what I got and hurting my family for years but my kids are all adults now my credit is pretty good and I have a little bit of money in the bank and I'm not getting any younger I'll be 44 next month and I've decided that I'm going to buy my first investment property by the time I'm 45 went to a another investing course seminar this weekend three day long and enjoyed it quite thoroughly learned a lot of stuff refreshed old knowledge and I see a lot of potential opportunity with this company they have many names prosper live ,Yancey co ,pathways ,response I'm not sure what the parent company it's called but depending on what part of the country you may of heard about them in kind of depends on which one of these names you would heard of they seem to be affiliated with HGTV in someway and they're offering an upgrade package for $25,000 I have till Tuesday to make my final decision on it in order to receive all the benefits of the package I can still buy it after that but I lose out on the few things anybody knows anything about any of this and has any advice I would welcome it thanks for reading and thanks in advance for any replies