So my other options were to use my good credit but of course all of the loans want to use my personal credit and impact my debt-to-income.

Start working on your credit score and research financing options, including FHA or conventional loans.

If your credit is decent then I would utilize your cash as leverage to leverage:1.

Keep in mind its end of year pretty much every seller and builder is offering a 2% seller credit its the norm.$50K in earnest is a lot and if the lender drops the ball are you positive they can get the credit denial out in time to refund the earnest?  

If I were to apply for a CFO role now, more than likely I have to advantage over a CFO that was in a manufacturing company for a real estate company.EAs specializes specifically in taxationCPAs have a broader knowledge for accounting, auditing, financial planning, and taxation.EA must pass a 3-part IRS exam and do not require a college degreeCPA need a degree in accounting, 150 credit hours of education, must a 4-part CPA exam.EAs often charge a lower fees

For now, we’re working hard to build our credit, which is already in a decent place since we don’t have significant debts.

But I agree with an above poster that $10 psf in tenant improvement seems low, unless you can find a turn-key tenant to occupy that will require very little renovation.In DFW, for 2nd generation spaces, I've seen LLs underwrite at about $25-35 psf in expected TI allowance (subject to the lease terms and tenant credit rating).  

I do not charge an application fee until I am ready to offer the unit to an applicant assuming that there is no disqualifying info on the credit/background report which I do run even though I don't require good credit.

See when materials get delivered, etc.This last one is debatable but It works for me.Not utilizing rewards or cash back credit cards during renovation projects to maximize ROI.

5️⃣ Energy-Efficient Upgrades: Solar panels = tax credits!