The banks/credit unions said I needed 6 to 12 months of ownership to get refied. 

For Non-Admitted carriers, the important item to then pay attention to is the AM Best rating (or equivalent rating agency).

Was the brownfield credits distributed in year 4?

At least 2 US credit scores required to qualify.

US credit (some lenders may require 1 or 2 credit scores to qualify you).

As for non-bank loans, I'm familiar with a loan program that provides 100% financing, but it requires a minimum 650 credit score and proof of funds covering 12 months of interest.

Besides that, I have a credit repair and funding company that helps entrepreneurs get their businesses going.

To add to your argument I suppose the tax implications are better with RE too bc theres a capital gains tax ceiling of 20% vs standard tax rates for IRA withdrawals that are potentially much higher.

We normally do not seek judgement due to the expense that is involved, even after you win you have to continue to renew the judgement every year.We put them in collections and have it hit all three credit bureaus.

This may kill your cash flow due to high interests rates though. 2.