I can give you a crash course on the good, the bad and the ugly of Binghamton.Binghamton is something of a unicorn market at the moment; it's a rust belt city with a history of low incomes and low property values.

Then I was blindsided by this I asked if i was entitled to a denial of credit in accordance with the Equal Credit Opportunity Act-Regulation B 15 U.S.C. 1691.

Take a look at this chart: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% This is how likely a borrower is likely to default on credit extended to them.

The downside is they usually come with higher interest rates and shorter loan terms.Partnerships or Co-signers: If your husband or a trusted partner has U.S. legal status and credit history, they might be able to co-sign or help with financing.Cash Purchases: Since you have savings in Canada, you might consider using that for your first property, especially for a smaller rehab project.Foreign National Loans: Some lenders specialize in providing loans for foreign nationals.

This can result in significant financial loss and damage to your credit score.

There’s definitely a strategy to applying for business credit to avoid alerting other lenders that you’re shopping for credit.

Also would need more background/history on Mike the Builder.

For me A or B grade means that you can get a tenant with a 700 plus credit score with an income well above the minimum threshold. 

YUP minimum requirements.. although you would be surprised how many folks cannot get a bond because they lack credit score.. this will weed out the really poor players and give state a vehicle to regualted those that violate the laws without all the grey area currently.

Credit scores are made up of many factors, one is the utilization of an account vs its credit limit.