For the first deal she refinanced our house and took that seed money to buy another SFH.

I would ask them how much seed capital they had, then once they told me, I would ask them to cut me a check for half that amount and call it a victory, because they would lose it all.While I won't ask you for a check in this case, I will tell you the best way to cover your ***..ets is to pass on this deal.  

WCAP/funding4flipping/seed capital did try to help out by “coaching” me how to repair damage.

Use the cash you have, no matter how small the amount, to be your seed capital.

Use it to seed your own process or as is - - print one per application, fill-out your findings, sign, date and attach to the original application.I operated a 6-plex and it took about 3-4 years to do this by rote, that's 24 successful screenings and maybe 3x that for reject/denials.Suggestion:  this is 20/20 hind sight now, but start tracking your 'good vs bad' eggs and correlate to the verification list results you filed away. 

If you need more than that, you may want to check out a company called Seed Cap.

This is the brrrr method and it allows you to use your seed money over and over again.

When I tried to look them up on BiggerPockets other names came up, "seed funders " was one, which is strange.

I'm looking into securing lines of credit through seed capital LLC, I have maxed out my debit to income ratio with banks and I am self employed, has anybody used this product and is it worth the hit to your credit score?

There are a lot of neighborhoods that can crater your seed cash.