If its under that I would say have your banker or loan officer run a credit scenario simulator and see how to get the scores up the fastest. 

We feel that the information we require is better than looking at a credit report that covers a wider range of dates and a wider range of things that don't pertain to whether or not the tenant paid their rent for the past 3 months.When a tenant hands us rent receipts from a $2 Office Depot receipt book and tells us they pay cash we kick the applicant out the door.

Call city zoning office to verify if it is 3 family house or 2 family house. 

By the way, I belong to a Landlord MeetUp group, and we had someone from the office that developed and enforces the Just Housing Ordinance, and the speaker was shocked to learn that there wasn't a DIY screening service that met their requirements, and she didn't have any suggestions for us.

  $125,000 - $40,000 = $85,000 less realtor fees to sell it, and will a lender finance it in it's present condition.Also, those pier and beams go out of wack all the time and maybe just adjusting them will fix it.Some of the older homes are jacked up with all kinds of automobile junk yard scissor jacks and Auto Zone bottle jacks, piles of rocks, stacks of 2 x 4's on grade, wooden shingles, tar shingles, etc... vs proper peirs.So maybe one of the renters (or one of their friends) crawled under there and removed the jacks to use on their car repair or sell at the pawn shop for beer money and now the floor bounces.Meaning get a 2nd opinion from a pier company (that's legit, has an office and a website, etc...) and have them confirm the ROT--if any.Because the floors do rot (sometimes) and also the piers go out of wack and sometimes also sometimes disappear into thin air--and no one knows what happened to them.Getting a 2nd opinion on if there is rot--with cell phone pics of it--would be smart--if none then adjust/replace the jacks.Good Luck!

I'm only 22 and I'm also just trying to become a law enforcement officer.

Understanding this is a Real Estate forum, I am hoping that someone could point me in the right direction to a loan officer who would be able to assist me in refinancing my loan, helping me cut the interest in half.

You may hire licensed contractors, but most-often the workers are illegals from three countries I will mention (Honduras, El salvador and Guatemala) and attorneys are constantly sending workers emails telling them to visit their office because there just may be something they can sue you and there boss for.

Throw these people out of office immediately!

Looked up the address the buyer chose, and realized it's one of those virtual mail offices if you don't want people to know where you live.