THe lender is a credit union and it is a conventional low rate loan.

There are some loans like a DSCR loan which can help you get a loan regardless of debt/credit/income if you have the downpayment on a rent-ready property, where the rent has to cover more than your mortgage.

The trashing of his credit threatened his job.

Am I prepared to hold properties longer if market conditions change or if a flip doesn’t sell as quickly as anticipated?

BTW there is a free trial and the Starter monthly plan is $119.It also allows you to search through consumer information such as property owner "credit worthiness," Credit card usage, buying power, age, language, family members in the house, and many other fields that are above and beyond property characteristics, which is unique.

Avoid PMI and then go to a local credit union and get a heloc after closing to gift the money back.Have this as a tool in your tool belt but pursue use of the 3.5% FHA, knowing that you will be at a competitive disadvantage if you are competing with non FHA buyers, then you can call in the favor from your gift person.Just know that if someone gifts you down payment money, your bank will require them to sign a letter stating that it is in fact a gift that doesn’t need to be paid back.

I used a personal line of credit of $8k to invest.

I suggest 8% for a great credit buyer and higher for one with poorer credit.

You said "100% of our funds were investors" then "my capital came from bank Lines of credit NO investors", so wondered exactly how much of the 100% was replaced. 

Some will be ok in 2nd position and some will not and force you to refinance out the first - but those are options that are probably cheaper than credit cards