Business credit is largely irrelevant until you get into the true CRE and commercial lending space, and even then, the key principles are weighted heavily.

This would be even more true of a house where the tenants really live in the property and spread-out big time.

. - there are numerous ways to achieve sweat equity from boring but true rehabs, to development, to various localized sophisticated options

When I first started years ago, I utilized owner finance and other techniques which most sellers would say no to if they didn’t meet me in person and see who they were working with.  

Is this true?

I can go on, but your actions speak to the true underlying problem and that's you. 

I think that your assessment is very helpful and it is true that I am trying to offset costs and cut my commute.I have also had reservations about a flip/brrr because of the difficulty of finding a builder for my team.  

If it sounds too good to be true, it almost always is. 

You cannot extract from it indefinitely; there is a limit to the number of properties you canpurchase in this manner without paying back into the life insurance which does not exist on a true 100% LTV. 

Seems too good to be true but I guess if they enough of them it pays off.