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

Perhaps as a syndication or credit fund?  

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

I went to my local credit union, Wells Fargo, and United Bank and each one turned me down after "checking with legal."  

For the 2nd applicant, her credit score shows 770.

Before you get too far, I would go talk to every local bank and credit union in the area you want to do this. 

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.

The seller doesn’t need to know that the underwriters may give you more of a hassle than other buyers.Or do you have lines of credit or a private lender so you can make a “cash” offer then try to get the financing through before close or at worst just do a cash out refi after close?

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

I screen animals and then assign a score to determine how much to charge.