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?  

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

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

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

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?

We have credit scores over 730 and have been "soft approved" for around $750k. 

After the fire in 2016 damaged or destroyed more than 2,000 buildings, 16,000 acres, with 16 lives lost, I think they are trying to be better about enforcement.

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.