Holla if you need help fleshing out your dream.  

Sometimes the termite cards are on water heater or attic/crawl space access.

I know a guy who bought his primary residence there with a credit card!

There are 0 seasoning outfits around, like I said you pay for it in the loan product cause if you need 0 months seasoning then you may be desperate, desperate people will take not so great terms.If you're looking to close in cash and then have the refinance close the next day you are dreaming? 

I'm honestly surprised, right now our only debt payment is a 857 mortgage, no car payment no student loans no credit card debt, and good credit 740's. she doesn't make just a lot (41k a year) but with the 857 mortage payment, her debt to income shouldn't be much over 25%.

What are you going to do if their score is low because they never pay their credit cards on time however, they have never been late a day on their rent?

An example problem statement that I may have stated (and built the software for) in 2003, when I started investing full time: Build a tool for lead generation that collects county records from the county recorder's office (and property card data), finds the recent first mortgage defaults  from trustees websites or public filings for properties that are between 1000 and 1700 square feet, in a neighborhood of 90% like-kind properties with greater than 20 parcels, houses built after 1978, that can cash flow at current rates when fully leveraged. 

I can't imagine it making sense down the line once I have say 20 properties and 20 LLC's, to have a stack of 20 credit cards that I'm juggling.

I would definitely consider house hacking again but since we just bought out dream little piece of land to park our movable tiny house its definitely not my first thought. 

If not, and you are eager to invest, why not pull out enough equity on your home to put the capital up for the DP of 20% and under an LLC you can also use 0% interest cards for additional capital on renos.