I would recommend taking the practice tests until you are scoring at least 85%.

I only care if the insurance premiums will impact cash flow too much and, to a lesser extent, appreciation, which would also be hurt if the flood insurance rates keep skyrocketing.  

In order not to lose the deal I agreed for lesser fee and unsigned agreement.

My credit score is ~610 hers is ~700.Together we can come up with a down payment of about $15k.

My credit score is about 750.I can see this being useful for flipping. ( 20-30K property, 10-20K rehab, 70-80K ARV) but I feel like there's something better out there.

Working on a business plan now and connecting with a SCORE mentor.

-BK vs no BK-Status of first (if you are purchasing NP seconds)-Equity vs No Equity-Credit score of borrowerAre there any of the above that you would not consider at all?

After you have 4 financed properties then it becomes more difficult to find lenders who will lend money, although you can still do FNMA loans but with differ down payments and credit score upto 10 financed properties.  

I want to compare interest rates between banks, is there a way to do this without it negatively affecting my credit score?

My credit score is in 800s and the reason I didn't refinance while interest rates are low is because I had a business and didn't do well, so my income to debt ratio was high.