Many investors use this credit for down payments, marketing, or renovations, scaling their operations faster than relying on personal savings alone.For those who have built business credit, how has it impacted your real estate growth?

Check out these two articles that provide a good overview of the factors that affect qualification and loan amounts:DSCR Loans: What Are They And How To Get The Best Termshttps://www.biggerpockets.com/...DSCR Loans: How To Use Pro Strategies To Save More And Make Morehttps://www.biggerpockets.com/...

@Sino U.I would save more money or look into a DSCR loan.Where is important.

With that in mind, I would save most, if not all of the cash flow until you have enough to do the renovation.   

I want to get into real estate investing on the side for the long term goal of hopefully retiring early and supplementing income.

If it helps save for the next deal or you need working capital for this deal, then I'd say do it.

He already has a down payment saved up just needs a little bit of help getting the first deal to the finish line.

First off, kudos to you for building up the savings and diving into the multifamily market with an FHA or Fannie Mae loan.

My former boss lived in trailer like 25 years ago, and saved thousands before buying a real home.

However, we have over 1 million points saved up through ordinary spending.