Is that 3% just a line item credited on the Loan Estimate as earnest money already paid ----even if it was say 2 years ago?

If affordable housing doesn’t make economic sense for a business that is where tax credits come in.

Once I scale up, how do I balance between getting approved and not hurting my credit score too much?

Should I raise capital event though there's creative ways to invest with no money and no credit (even though my credit is close to 800)?

Found a property, made offer and my first obstacle I encountered was when I checked online my credit score was 752, I thought good to go.

A good market for me includes at least 1Million population with low unemployment, good jobs, cheap houses and business friendly and fiscally responsible city / state (check their credit rating).

This seems quite high to me given that my credit score is 750+.

Can you not use personal credit as form of down payment?

We are recnetly married.We are hoping to put only her on the loan as I am going to school and currently have 7 rental properties and no savings or income so I am pretty much tapped out.My wife has a steady job with solid income and excellent credit.

Constantly be improving your listings, and your systems.