No Credit Score, Need Help With Financing!

[AJ Smith]

Hi all,

I'm a college student working to close on his first buy and hold MF rental property deal in 2019. I am debt free and have a bit of cash in the bank, but because I've never had a credit card in my life I have no credit score and banks won't loan to me. I applied yesterday for a credit card with my local bank to begin building my credit.

With this in mind, my question here is twofold:

1) How can I speed up my credit-building?

2) How do I Finance/Refinance deals while I am building my credit score from ground zero?

I have thought about hard money lenders, but am concerned about the high interest they charge and my seeming inability to refinance out for a lower rate at the bank.

Cheers!