🤨😂 Hell, I wanted to show them I knew what I was talking about that their money was safe  with me ,when it comes to investing in real estate ,not only is my credit good but I can impress the hell out of you .Not lol They're just worried about the credit score🤷♂️ Apparently it Turns out they don't give a sh*t if you know what you're doing or not or if you have a cool creative presentation 😎.  

Now we are ready to refi out of all three and my credit score took dump because of credit utilization ( I'm at just over 610 on the Experian site 90% utilization).

I have enough money save to put down 20% on a 2nd property in my area, but my credit score is too low right now to get approve for a traditional loan.

FHA is best if you have lower credit scores. 

Credit score is 840.Thank you in advance for all your help!

One lesser-known benefit of using a HELOC is to consolidate debt.Using a HELOC on investment property will allow investors to tap into assets that have managed to build up equity.Leverage the equity in your property to increase its value, or fund more properties.The power of leverage is a fundamental of the physical world, but it’s just as strong in the fiscal.

If you do decide to allow them to be added to the lease, make sure you follow all normal screening procedures that you do on the property (credit score, income, etc.).

What kind of score are we talking

We have one other applicant who is so-so (615 credit score as she is recovering from a divorce, 4 daughters - oldest in high school, a boyfriend who is there 2 weekends per month (name not on the lease), 2 dogs.

However, I think the landlord response to the broken mirror was unreasonable in the first place.By admission, the tenants were "good tenants" and as a show of appreciation, the landlord gets petty after the walk-through on a mirror they can not prove was broken by the tenant.So...just my two cents on this score...this is a problem created by the landlord that did not have to exist in the first place.