A couple issues with Credit/income on paper.

Flipping is actually more a business than it is investing and you know how much goes into that.

Basically its a big credit card that I can now use for any business related purpose, in my case Ill use it to do more deals.So here is where the 8 unit comes into play.

Do they know real estate business and real estate taxation?

For a cash out refi, you are generally limited to 75% LTV and rates right now are in the mid 7s for good credit and a DSCR over 1.0. 

What's the lowest credit score you will allow?

I have them process credit card payments.

This is probably a place where you go to one of the personal loan sites to borrow money or maybe a credit union. 

But I'm guessing maybe your credit is too low for that?  

If you own the business, then it could be a problem, but if you work for someone else and get paystubs and a W-2, then you might be able to go with a conventional loan using full documentation.