-Scott  you can call them and fight it, and fight it on your credit report as well. 

the company is paying the bills so even if the doctor has bad credit it doesn't really matter about getting the rent check... 

Very poor credit.Truth is many gurus will say its easy to get HML, but if you have poor credit and a history of not being able to pay bills, why would a lender give someone money who already cannot pay bills and has zero real estate experience and zero money funds to do something they never did before and expect it to be successful?

Now I have equity locked in and couldn’t qualify for a heloc due to credit as well.

I will talk to my credit union and see the options! 

U.S. credit is not necessary as the loan will be assigned a 680 credit score. 

The freedom number will be set at $6k passive income per month.FINANCIALS We are working on bringing our credit up, it is currently sitting at 675 and rising.

When I was in Michigan, we could vary the deposit based on credit worthiness.

Secure a credit facility with a Hedgefund or bank and lend that money out..

- Are the markets likely to experience the most rent and price growth going forward likely to be:     - Markets with the lowest supply coming online    - Markets with the best schools    - Markets with the lowest crimeAnyways - food for thought!