It is always best to pivot versus walk away.

Goes for all things, contractors, materials, legal (downloading online lease agreements versus paying for legal advice), and providing cheaper rents versus rehabbing the place. 

Then ask what improvements you’ve made.

Believe me, this is the tip of the iceberg in terms of the expenditures you will put out for improvements and maintenance.

The housing market is still crazy and I'd like to hold on to the house which is free and clear but it doesn't appreciate any more if I have 100% or 20% equity in it and we have already done all the improvements to the property inside and out so no value add opportunity there.

There probably will be negative comments on what I've just said I'm only telling you that I've learned how to talk to listing agents directly and I've gotten some great deals by finding the listings myself through zillow and realtor email alerts and then calling the listing agent myself.Also figure out this way any any situation where you're depending on someone else to give you what you need puts you at a disadvantage versus you knowing enough on how to find whatever it is you're looking for yourself.But I tell you what I have done anytime I see a deal that's close I call that listing agent and then I text them my contact info and I say if you ever see a deal that looks similar to this contact me.

I think people also forget the cost of improvements and property management that eats into your profits as well.  

Assume "Yes", versus finding out when your local building official issues you fines.

My advice would be to have a banker/broker/loan officer pull her full credit report and take a thorough look at everything causing the low scores.Quick fixes for just score improvement can be having a family member or a partner add you as an "Authorized User" on a credit card with a 30-40% credit balance to credit limit ratio. 

We will definitely over improve on the higher end so I’m guessing we would be closer to the 6 cap.