@Antoine Black  In general, yes, it goes off your personal credit. 

Best bet is to try local and credit unions, possibly may have some programs for better rates.

do not use a line of credit for a down payment. 

However, my credit is not good and I'm having a difficult time getting anyone to rent to me.

If they will do a loan with less than 1, the pricing takes a hit.

Credit cards have the same limitation on the amount you can borrow and will likely end up costing more than private lenders.

They look at your credit profile and get you business lines of credit and credit cards.

@Chris Seveney - Chris I know you know this, but sharing this for a lot of less experienced investors out there. 

Cheaper and less hassle than court.

We recently relocated to Phoenix last summer and I'm starting to look for recommendations for local credit unions here in Phoenix which are trustworthy, low rates, personal touch, easy/simple to work with, etc.