True re the prior poster, re this helping the seller save their credit, if you buy sub-to you will dramatically raise their FICO since the mortgage will show on-time payments.  

Local banks and smaller credit unions are most aggressive in this space.

;however, my issue is that I dont have good credit and since im self employed I make.very little income. 

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

We have excellent credit and cash capital.

Another work around that isn’t discussed much is working on a strategy with your insurance company to protect your other assets in the event of a claim.But also, it wouldn’t be a bad idea to consider getting the financing into your LLc name with a community bank and pulling cash out if you have substantial equity.Right now, since the loan is in your name, it shows up on your personal credit report.  

If so, invest.It's not let me find some deal for me-- the lowest hanging fruit.

Also, use of the HELOC and paying it down helps support your credit profile and your credit score.

I finally understand that credit card payments are exempt from needing to send 1099's.

The return on equity is probably very low considering they are paid off so maybe explore refinancing or selling the lowest performing one(s) or your biggest headaches to reinvest in more lucrative deals.I noticed you also used a metric of number of rentals to attain your goal rather than $$$/month.