Setting up a bank account at a local bank or credit union could help grow your business in the future.

Then, they say they offer refunds... in the form of a credit.

Is it a line of credit or credit cards?

I’ve been told by many local banks and credit unions that they will not do the deal.

If they give you a proof of funds letter without a full application and credit review burn it.

In the meantime, they will apply for credit, apartments, and utilities through someone else's name.In regards to garnishing wages, unless the tenant works in a higher-paying field or for a certain company that pays more than other similar companies (doubtful), the ex-tenant is just going to leave their job and get another one, and you need to restart the process (after you find out where they are now working).

The wife has excellent credit (high 700s) and the adult son (also a contributing income earner) has excellent credit as well (mid 700s). 

I think a Starbucks, Dunkin, Pizza or a small bank or credit union branch would really thrive in this location.

Most investor loans will require a minimum down payment of 15-20% of the sales price with having healthy credit and a few months of reserves. 

The truth is about the only credit I can give to any of them is that they got me interested in realestate and got me motivated to get involved in the game, the rest I learned by trial and error, people in the business and the biggerpockets of the 90s; creonline, who had people like you giving good advise to newbies for free.