Some of the projects were with a local partner as well and then the managing chores were split between us.The lending perspective was stiff in the beginning, as I didn't have any experience at all, also no credit score, and that project was only by myself, so the leverage was low, but I could work on a low-price property to start.Fast forward 5 years, I have built a credit score with 2 credit cards under my ITIN of more than 650, and done 4 properties as experience.

@Stephanie Lopezhi, happy to help but not sure what to say here. just to be blunt, you're asking random people on the Internet... if you should meet another random person that you found on the Internet. 

It makes us feel that they are trying to hide their identities 2) we could not find any information on the founder of the company 3) could not find any info on the company on the internet 4) when they ask us to pay, they have a discount with Zelle.

They run your credit report to start so I did not love that.  

However, I do have a low credit score.

We very rarely give compensation or credits to our tenants.

He stated he doesn't want his credit report to take any more hard inquiries.

Brazil, #2 internet economy in world, massive resources, and lets be real that in S.

The loan can be called, but in the 45 years I have been doing this I can only recall a handful of cases and it usually was Credit Unions or private money lenders.  

You may also want to look at a cash out refinance to eliminate one or more Heloc or a few credit cards to lower your DTI and outgoing monthly debts.A heloc is a risk since its an open end mortgage like a credit card which carries a higher risk versus a 30 year mortgage.