Even though we do run credit and background, I refer to us as private money lenders rather than hard money lenders based primarily on the cost of capital.

As long as I maintain good credit, my good credit will blend  with whatever credit they establish on their own to generate their score.

@Greg MooreI have a few properties that if I could sell with the click of a button, I would, and put it all into Bitcoin.I have held Bitcoin since it was in the very LOWest triple digits.  

But I get it when you have that tenant dynamic IE limited income basically lowest earners in the country its a tough group to corral for many many reasons..

Looking into moving personal properties to LLC and then trying to get Business Line Of Credit which will help make it easier to scale and diversify.

I am seeking to obtain a line of credit for these so I can tap into that dead equity.

I can't see how a partner would hurt how much you qualify for as long as they have an income and better than horrible credit.  

If they have low credit scores, shady history, and lots of heartbreaking stories, they don't have the money now, and they won't have the money after, and you will be sad to discover this one month down the road.

Freddie Mac & Fannie Mae multifamily loans essentially offer low rate, high leverage, non-recourse permanent financing options that are backed by the full faith and credit of the United States government.

They might be great, but we were only 9 minutes in before the conversations turned to "what credit card are you going to use."