It doesn't have direct credit impacts that affect a credit score.

However; our educational system (at least in California) isn't necessarily about teaching the students, as much as it is about the unions.

HOA is like the UNION have no place in this world.Joe Gore

Marie Poe Oh, and he did talk to his credit union about heloc, but they will not help at all because of the loan to value.

@Trevor Schumann I don't like banks for many reasons, but when I have called and asked around, I consistently got yes responses from credit unions that they will finance any amount.

Hi @Marcus MaloneyYes - credit was borderline (just above 600 score).

Maybe you can make proprietary scores based on a combination of all those indicators, like "investment value", "liveability", "neighbors" etc.

To find institutions to do any of the above, I'd start asking locally- banks, credit unions, etc... and I would ask local investors where they are going for loans. 

If you take a test this way by process of elimination you should help your scores greatly.Please remember you do not learn much with the agent course for real estate. 90% of it you will never likely use again.

I stumbled across bigger pockets in May after finding out how decent my credit scores were (I'm in the low 700's) and looking into recreating a similar setup for myself.