Anything else is in poor taste in my opinion.

You can do as little as 0% down and maybe even get money back at closing if you can implement seller credits into your offer during the inspection period or prior to going in contract. 

You can run your own credit report on one of the big three like TransUnion and bring that to the bank.

This is basically an unsecured personal loan, like a credit card.

If all of the equipment for fully automated remote supervised tours was acquired on a credit line, I think you still have a problem with all of the different logins one one device.I'll let you know what I come up with.  

Your credit cards should be used as a last resort. 

It's great to hear that Rich Dad Poor Dad inspired you, it’s a classic for getting into the real estate mindset.

Focus on getting your finances back on track first—start saving and work on building your credit score.

Some lenders will let you both be on the loan and use the Higher of the credit scores between you and your credit partner. 

If you want to do some flips or BRRRRs then you could consider taking out a Line of Credit against the three properties so you can use the cash with interest only payments for a short term project and then pay it back and then use it again (Lines of Credit are revolving - meaning you get to keep using the money).