Everything he teaches about personal finances (budgeting, car loans, credit cards, etc.) is spot on.

Some also don't have the means to come up with a downpayment or have low credit history so they can't get a mortgage.

Mint did a decent job for me previously, and Credit Karma is less adequate. 

Unless a loan is assumable few if any lenders are going to agree to this because they have no way of knowing if you are credit worthy, as the seller was the one who was vetted. 

They would fix my $100 for the next 18 months as a grace period so I have time to put the tax credit money "back in" the full cost of the panels.

You are likely blending PMLs with HMLs here, most PMLs lend on a relationship basis and most HMLs underwrite the credit profile and risk of a deal. 

But 3) Try multifamily specific brokers, crexi and loopnet, although 2-4 units maybe scarce. 4) A home equity line of credit is a good source of funds however it will generally make your overall monthly payments higher, so unless a deal is very solidly cashflowing, a HELOC may put you into negative cashflow. 7) Typically electric/gas are paid by the tenant - however this isn't true across the board. 

Currently my credit is under 515, I know I can fix it but need more income and cash.

I have $80k liquid in CDs and savings accounts in the bank and a credit score between 760 - 780.

I just received an application from someone who meets the income requirement (3x rent) but not the credit rating requirement.