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

Hi Nate - It'd be worth asking the lender for a detailed breakdown of closing costs for this program, as well as an estimate of the interest rate you'd get with today's rates (they'll probably need to pull your credit to do this).

I have been battling with the credit bureaus for 15 years between 2 divorces, and multiple incidents of identity theft (the untold effect of military service).

Perhaps as a syndication or credit fund?  

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

When the current shifts in your favor, you will be miles ahead of those sitting on the shore waiting. 

I would add research your state's creditor protection laws and think about keeping an open ended line of credit if you need to deploy capital later

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

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.

Credit scores are made up of many factors, one is the utilization of an account vs its credit limit.