I explain the eviction will impact their credit score which will impact all loans and their ability to obtain nice housing in San Diego.  

With that in mind I would run the roommate through background check and credit score.

The two lenders I contacted through the "Find a Lender" option never called me back, so I am looking for a local and relatively small credit union or bank I can talk to about taking out a HELOC so I can invest fairly soon.Any recommendations?

This is when I get references, credit score, and background check.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

For business owners, having a separate legal entity, such as a corporation or limited liability company, provides the unique ability to create a credit identity with business credit reporting agencies, also known as a business credit profile.Reality check:  > Funding your business with your home equity or personal savings/guarantee is a HUGE risk  > ~45% of Small Businesses applied for a Business Loan in 2023  > Less than 2% of SBA Loans are actually funded/approved  > 29% of Small Businesses FAIL because thee run out of Capital  > Your company’s name on a credit card is NOT corporate credit (if you used your FICO score to get it)  > Business (EIN) credit will open new ways to finance your growthIf you keep doing what you've always done, you'll keep getting what you always got!

However, got a willing tenant with an excellent credit score and everything willing to sign up for a year lease.

if they do, im guessing they will want to keep the credit score more than others?

Claims they have no credit score because of the itin number. 

I know investors that buy houses this way but I always kept it small.You said that getting a new credit card would affect your credit score, wouldn't getting a loan do the exact same thing?