Quote from @Carlyn Chism:I agree with Chris on a lender that might be a scam or make you may so much money interest because of the low credit score that you make $1.00 on the flip or no money.  

@Donald Hatter We send the information to a collection agency who attempts to recover the money; after they make several attempts they place it on their credit report. 

I would pay them separately rather than giving a rent credit.

It may or may not show on a credit report, depends on the servicing and you should have the loan serviced.Failure to include the debt on a future loan application is mortgage fraud, wanna go to jail?

We use them at home now as well, my wife likes to redecorate..

Seller financed (probably) won't be reported to the credit bureaus and so won't impact your credit score at all.

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

WE dont pay a fee for the credit line as I mentioned just 1/2 point for each new loan..

My concern is that I may need to invest a significant amount in redecorating the home to appeal to this new audience.I’d really appreciate your thoughts on this.

It is easy for people to download fake W2s, ESA paperwork, etc, with a few mouse clicks and a credit card.