I feel as though no Sec 8 tenant is going to be able to pass my minimum requirements, specifically regarding the credit score (my min is 600).

So I was playing musical chairs with them much as you might with credit card balance transfers.  

Often the best ones are the smaller community banks in your area, not the large coporate banks however they'll have options as well but its normally relationship based where you'll come in to the bank to meet them and they'll be looking over your financials, credit, investment experience, etc. however once you're in with one of them, it becomes much much easier to borrow with them in the future...

Typically what we look for in a borrower is someone who has a good track record, (at least 5 in the past year) along with purchase HUDS, statement of work as well as sale HUDS.

Fewer banks willing to give credit for imputed equity even if generated through heavy lift entitlements. 

I have a high credit score but I am also possibly over leveraged.

Property owners get an annual update on their SEV & Taxable Values with their city property tax bill, typically sent in December.So now, the city assessor tracks the SEV, but homeowners are taxed based upon the capped Taxable Value.

Any investor with this track record should have access to debt at 10% interest with 1-2 points, or potentially even less for someone their size. 

You must never screw up and use a credit card or any other form of personal payment or your ENTIRE account is considered withdrawn and taxable. 

This is the best way to ensure that you know exactly what you're purchasing.And most of the time, you can use the findings of that report to reduce the purchase price/get a credit at closing for way more than the ~$400 inspection report.