Recently applied for a loan and was denied based on credit score.I have never had a credit card and the only thing affecting my credit score are some old medical bills.Any ways I can build my credit in a short period of time without getting a credit card?

There will be a lock period up front where the interest rate won't change, and that can range anywhere from 1 - 10 years. 

Also rent must be paid in poems now, no more US dollars, and there is a 4 year arbitration period before you can evict for nonpayment.

There is no statutory holding period. 

I don't think you screwed yourself, you're in the middle of a growth period.

Sometimes the answer is to work incredible hard for a period and a purpose.2.

I have seen this variance during my Loan shopping period, and saw that the "Lender's Fee" is largely on the Underwriting and Closing Cost that are disclosed in the Loan Estimate.

Using the due diligence period can still cost a buyer money when there is a due diligence fee that is nonrefundable. 

However, if you are thinking of buying and holding a property a specific period, like 5 years, then you need to estimate the value on exit and what cap rates might be in 5 years and estimating market value as NOI / Cap Rate in 5 Years is one way of doing that, so you need to understand what rates are in the market today and estimate what they'll be in the future if you're planning something other than buy and (indefinite) hold.

That can give you up to eight rentals in a two-year period, they will completely pay for themselves and probably provide cash flow.