I was going to add, as posted above, it's a great rate and stick with that local credit union for the future business. 

The teacher was an actual financial educator but they repeated themselves a lot and were telling the students to go in and apply for credit cards DURING the course to purchase the next course for $15,000!

Once I get to a point that it is making enough per month that I feel comfortable taking money out of the business that would be when I get to the point that it is worth have a specialist assist me in all deductions, credits, and future items that will help me to transfer from a W2 to working for myself fully.

This is a good opportunity in a strong market, and with your excellent credit and HELOC funds, you’re in a great position to make this project happen.

A couple issues with Credit/income on paper.

You can go up to 6.75% and get 1 point credit towards the broker fee. 

My goal is to wholesale some properties single and multifamily to build some capital while fixing my personal credit and building my business credit.

I haven't spoken to the county yet, but will make that phone call today.As far as financing -- I was leaning more towards getting a business line of credit or using a business credit card and rolling it over to interest free cards.

would appreciate input if you know about this app.also my tenant claims it helps build his credit, I am not sure how, but it says he will be paying there $800 monthly, while his rent is $1200

This will allow you to remove the person and do the financing on your own.Home Equity Loan/Line of Credit: Since you're looking to access equity, a home equity loan or line of credit (HELOC) can be a good option.