@Oladimeji SonibareI would be very careful offering support as you typically need to be considered a credit counselor in order to do what you’re doing.

Their credit wasn’t great, but they gave me the backstory and they were very communicative.

I have my mom on our LLC because of her great credit.

Contact local lenders, mortgage brokers, or even credit unions to understand the current rates and what your approval chances look like.

**Conventional Loan:**- Conventional loans might have better interest rates but often require higher credit scores and more personal income verification.- They might not be as flexible as DSCR loans for investment properties.

In short - here are the reasons I pivoted to Real Estate Investing:All the benefits of Real Estate + growing STR optionsInflation raging at 10%/moCurrency wars and what or who will win them (Prec Metl or CDBC, etc.)Equities markets receive derivative pressures from credit markets and pressures on US dollarRealistic 10+ year opportunity in using Creative Financing, given monetary policies.Global disruption and impact analysis of COVID to businesses (small/large) and individualsWhat I was (originally) looking to get out of the program:Better understanding of Real Estate and it’s MarketLocally like-minded ppl that are more about collaboration than cannibalization (not reflective of BP in any way – this community is great too)Improvement in comfort level working in REI and learning “on the job”A community where I could find deals, connect with ppl for help and ask questions, etc.Business and Corporate Structure recommendations to accommodate short-term & long-term investment strategiesAnonymity strategiesAccess to vetted contracts for traditional, creative and gator (EMD) Real Estate dealsMy experience and feedback based on my expectations:Great original 6 week mentorship program.

In Ohio, I'm not required to say anything at all unless I pull a credit report, then an adverse action notification has to be sent.

For instance, we tithe using cash and we use prepaid Visa credit cards, we don't take a tax write off for it and no one but me and my wife knows how much or where the money gets given to.

But, nonetheless, pier and beam is typically not terrible expensive to level (compared to slab foundation).

I'd also suggest building a relationship with a small local bank who might consider a business line of credit for you.