If It is a wholesale DSCR lender that also does TRID loans, they might require a bit more paperwork, such as a VOM, mortgage statements for properties currently owned, and credit supplements on mortgages on your credit report.

Was the business credit enough to put towards a deal? 

Using mortgage debt at 6-7% on a refinance to pay off higher rate debt such as a credit card at 15-25% is a savings!

Most of our newer investors approach 2-3 lenders to discuss loan options.Some lenders recommend making your financing inquiries within a 45-day time period to avoid larger drops in your credit scores.All the best!

I was going to add, as posted above, it's a great rate and stick with that local credit union for the future business. 

(This assumes you have a credit card available to pay for any repairs.).

My goal is to wholesale some properties single and multifamily to build some capital while fixing my personal credit and building my business credit.

Is there a way I can "co-sign" with one of my parent's credit cards and be on their credit history in order to boost my credit score? 

A couple issues with Credit/income on paper.

We have excellent credit and cash capital.