Fannie Mae requires the following versions of the classic FICO score for both DU and manually underwritten mortgage loans:Equifax Beacon® 5.0;Experian®/Fair Isaac Risk Model V2SM; andTransUnion FICO® Risk Score, Classic 04These scores listed above are not provided by Credit Karma or any other free service.Credit Wise should tell you why your score changed, but maybe it didn't actually change because the way the score is calculated is completely different than your lender's score.  

Does anyone know where I can download for free or buy the latest version of the NC Realtors Lease agreement 410 T?

Great options if you are looking for full-blown property management options.If you have multiple rentals you'll need the version of Quickbooks Online with "classes" ($85 per month to @Simon W. point) to allocate the income and expenses between different properties and their chart of accounts (list of income and expense types) doesn't come setup out of the box for real estate.For real estate-focused "accounting & tax software" I'd recommend Stessa (Free to start) and Digb.com ($1 a month to start) and Quicken is also a cheap option like @Bill Brandt mention.

And they did not agree with the Guru's version of equitable interest.. equitable interest is not 100 dollar down on a contract.

I use a combination of Excel and QuickBooks (Professional Version). 

Here's another recent thread on bookkeeping/accounting software you might want to check out https://www.biggerpockets.com/...In a nutshell: Quickbooks Online (QBO) is the favorite for real estate accounting, bookkeeping & taxes, but expensive to track multiple properties because you need the version with classes ($85 per month).

Stessa has the free and premium versions.

It is good at receipt handling, though.Longer version:When most Americans first need an accounting software package, the one they will probably turn to is some version of Quicken or Quickbooks.

By no means am I a pro, but I will share the short version of how I got started.

They have a version specifically for rental properties.