Local banks know you and your situation and if there is something negative on your credit that would force BofA to deny your loan application, you could likely have a conversation with the underwriter of your local bank and they may give you the loan.

A go-getter with the proper attitude cannot be denied. 

Keep in mind no claim has been file and she was still denied ins contact. 

They seem to do just about everything based on credit score, but when I tried to sign up for a loan they sent me a reply saying I got denied even though my credit is 740.

The home was rented but the rental income left me with a $430 a month shortage.I applied for a loan modification twice, once in 20011 and once in 20012 and was denied both times.

If you have been recently denied credit then you have other options and rights as well.Even though you cannot see your score the free way on the above site you will generally know with how many negatives you have if score is low or not.

@Brandon BrownDoor Hangers on apartment doors - message drive to a websiteMeetup.com Group - Create One - Meeting at a restaurant for just denied for a mortgageGo door to to door next to RTO Home - Pick Your Neighbor Flyer - Earn $50 dinner certificate nice restaurantBandit Signs and directional signs - Rent to Own HomeBIG yellow hand written sign on front yardCraigs list adOnCarrot.com Tenant Buyer Site https://oncarrot.com/rent-to-own-website-templates...

I feel like I saw a post in which someone described that sometimes banks will look down or deny people with a license when trying to get an investment property put in their own name.

@Ayodeji Kuponiyi, if I took an application fee and did not return it, I would feel obligated to inform the applicant why they were denied. 

Some will say you just need Liability Insurance, but there are tons of risks with that, since most policies will find carve-outs, limits, and flat out will tend to deny larger claims on technicalities that will have you fighting for your personal assets in court.With that being said, LLCs limit personal vulnerability to potential lawsuits related to the property(ies).