Get your credit cleaned up, ditch the car payment and find a side hustle to grow capital. 

I have the credit and will be funding and backing the loan. 

You also get free credits on sign up to try them out.

I quit my job 2022, live off rental income and we house hack a large 3 level house with rents totally covering mortgage.She has excellent credit and six figure yearly income.

With the help of JURNY I am able to instant book guests all day as I collect IDs, selfies, credit card holds and rental agreements on every stay (yes Airbnb and VRBO included)Whatsapp: I use this to communicate with my cleaners.

It’s cheap.Pro: Credit card transactions are instantaneous too.

So when we had this property under contract for $92k ($95k purchase price with 3% buyer commission credit because I'm a licensed agent), it was an amazing deal.

Quote from @Chris Mason: Rather than starting with one lender and going back to the tenants, another approach would be to work with a commercial mortgage broker who will put the full credit package in front of 10 or a dozen lenders, and see what they come back with.For example, for scenarios like this, I've seen lenders come back and offer a new loan that has a maturity that's coterminous with the lease.

I am finding that most credit unions will only do helocs on primary residence.

Having a stable income and good credit will be foundational in qualifying for a loan.