Try their Credit Score Simulator: https://www.creditkarma.com/tools/credit-score-simulatorThere is mucho information online and some great YouTube videos that discuss getting your credit score up.How about a Rent to Own scenario where you rent and live in a property now while you raise your credit score, whereupon you purchase - generally 3-5 years.

Remember, we are a billion times more likely to be living in a simulation of a universe on some alien teenager's computer than living in an actual universe anyways, per the academic philosophers, (Nick Bostrom in his 2003 paper, “Are You Living in a Computer Simulation?) 

Like thishttp://www.ebay.com/itm/DEFENDER-SECURITY-DX-H112-SIMULATOR-TV-/180866284879?

Other than it makes logical sense I actually ran a mathematical simulations and plotted the graphs where it mathematically shows at wht point, you brake even with the other poorly performing methods.Everything is intentbased.

The greatest help to me was using the resources available from you school, that simulate test questions. 

Hi Vanessa,I've never heard it explained that way, but I guess that makes sense, since you are essentially using your buyer's funds to fund your deal with the bank.If you have a title company who has done these before, then you should be good to go.I wanted to clarify that the bank's title company will be emailing everything to your agent, so just be sure to tell your agent that you wish to sign everything at YOUR title company and ask for all of the closing docs and wiring instructions be sent to your contact at your title company.I don't explain the details of the simul close to the agents or the bank's title company.

People will be happy to be fit with little to no effort and will live forever in simulation servers and whatever becomes of quantum computing will help organize the undeniable concern of over population.

I have been thinking and simulating all tax rules/investment alternatives related to property sales and 1031 ;  nothing beats the IRS tax code that allows $500k tax-free for rental/primary residence conversion.

This skews my credit score (you can jump on creditkarma and do simulations about carrying a balance)... and because its my personal cards, it also impacts my debt to income ratio...

Have you had a lender run a credit simulator for you?