@Haiden Welch I'd lean into local banks and credit unions.

In most places you can deny on credit and criminal history. 

Some of these renters are capitalizing on low interest rates and choosing to buy, but many are unable to buy due to lack of down payment or credit factors. 

As for lenders, look for local banks or credit unions that understand the value-add you’re creating in each property.

To be fair it's possible that the home inspector explained that it's not up to current code but that it doesn't have to be, and the buyer/ buyer's agent may have misunderstood that to mean there is actually a problem with the deck. 

The obvious answer here is to somehow get some income and start paying down the credit card debt. 

This would save time and ensure a fair, uniform process for all applicants.

To be fair, I'm not saying the Midwest is a bad market but you have to be really careful where and what you buy. 

@Mary LopezNot sure if you're still looking for debt, but credit unions are a great place to look right now in this part of the market cycleGino

The reason being I have to build up my credit score before I can get approved for a loan.