I'm seeing investor clients who are getting credits to help buy down rates on DSCR loans as well as some who are also getting price reductions.

I have a great credit score, am employed, etc.  

Goal: spark qualified showings without looking like we’re chasing and keep room for normal credits/concessions if needed.Questions for local buyers/investors:1) In Nov–Dec, which list would you choose for this profile: high-$710s or low-$710s (same $700–$725k portal band)?

For any of the above, you can also use non-conventional loan products such as DSCR loans, or even commercial financing. 

Lenders charge a fee/interest, and borrowers can now buy something they could not otherwise (a car, business, house, any productive asset etc…), Credit benefits both sides by helping them achieve their goals. 

Focus on providing great product for your clients and learning everything you can to be pro level, Good luck 

I have excellent credit and no other outstanding debt other than the mortgage I am acquiring next Monday.

My credit is solid and I'm putting 25% down. there are also 20+ people on BP who could also quote that loan for you.

It all comes down to back-end funding appetite for the product.- My guess is they have enough funding sources and track record to be competitive in the marketplace, but ultimately supply and demand will dictate what they can offer

@Chris Curzon I use https://www.mailform.io/The user interface is good and i can also pay using my credit card for each mail that is sent out.