Plus reducing capital gains You want the seller to extend multi-year credit for tens of thousands of dollars to someone whom professional lenders won't touch.

I’m trying to work with a seller who deals in off-market properties, but they only accept cash or an “unrestricted line of credit” for payment.I have about $200k in liquid funds and want to invest it all, but I'm running into challenges with payment methods.

A cash-out refinance can reduce your credit utilization and improve your credit score.

For some context, the current payment is 30-31% of our gross income, we both have 780+ credit scores, no other debt besides this mortgage.

You could negotiate with the seller to provide a credit towards your closing costs or reduce the purchase price.

For instance, we have a line of credit against another profitable business that we are the sole owners of.

I've done it the traditional way of using my credentials; credit, job/salary, personal info. to getting a FHA loan.

One of the applicants reached out stating his credit score is 550 (our requirement is 600) but his wife’s credit score is 750.

Waiting for a solid applicant with decent credit and rental history has helped me find good tenants that do the right thing.  

Reason I am moving to LLC is to take advantage of getting Business Line Of Credit later