I do not use Rent Ready, but I know that it is a perk of my pro membership here and I am considering setting it up to help my tenant establish credit. 

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

If you're not careful, the administrative requirements can trip you up—but when done right, the savings can be well worth the effort.For those of us scaling our portfolios or actively managing real estate deals, the conversation about structure isn’t just theoretical—it directly impacts how we protect our wealth and position ourselves for long-term growth.What I’ve found is that many investors don’t realize how critical their personal credit is in setting up these entities successfully and accessing the funding they need to operate and grow.

Hi Shakti, As a lender we do work with US-visa holders as long as they have an established credit score in the US.

Your best bet for that size will be local banks and credit unions, good luck.

I don't accept credit card payments for this very reason.

I’ve used all the rental cashflow since I started investing to buy more and more houses, or to pay off 401k loans and 0% interest for a year credit card loans to scale up.

Your local credit union or bank should be able to help you with that 

Backstory: 22 years old about to get out of military after first contract. 70k cash saved up & 775 credit score, no debt.

If you develop a great relationship with local credit unions, you'll be surprised by what all they're capable of.