So my focus is just to build my credit until I can go back to them to get preapproved.

If there's no additional credit check fee for both the applicant and guarantor, then it's included and so it would actually be on the low side. 

They don't even pay ME, they pay Cozy for the background/credit check. 

I initially planned to leave my wife's name off of my investment ventures so that if something went wrong and I go bankrupt, it's just my credit that's affected and not both of ours.

Have a big reserve on hand for tenant improvements when current retail tenants blow out.

  #1 Federal Historic tax credits will ultimately return somewhere between $15,000 - $18,000 in federal income taxes next year #2 Historic homes have character that short term renters value & will pay additional for in their short term rental experience#3 Completely remodeling a home with high-end finishes will probably not pay off for long term rentals, but does seem to in the short term market. 

I credit that to having a clear and outlined checklist for the tenant to follow during move out to insure they get their full deposit back. 

How many bankruptcies can I have before I’m considered bad credit?

I’ve had an easy time renting (low vacancy), easy time collecting money (low credit risk), and very limited damage.

My credit score is improving, but not the greatest.