My local credit union won't do it either, they also won't do a business LOC because the business is only 1.5 years old.

@Alex Peters- Following this thread for additional ideas, but here are my thoughts:check bank account statements to make sure they have adequate reservescheck court records to assess litigation activity - both for the business entity and its principalsbusiness credit reportDo they have experience with other properties in Joshua Tree? 

For example, I mention that every adult must pay a $30 application fee, pass my credit/criminal background, make a combined income of 3x the rent, and whether or not the property accepts pets.

try not to purchase items on credit cards for multiple properties, at 1x, make 2 receipts, and write a reimbursement check from the property account.2.

We showed how to build tradelines  for their credit.They each have one credit card each, one has a car loan. 

If you want to refi into a 30-year fully amortized product, you could be low to mid 7s depending on credit with a 2-3 year PPP.

I would tell you to pay down your credit cards even if you focus on just one card at a time to get the balance down to 30% or less of credit limit.

We are using credit unions with a 25 yr am, 2 yrs I/O.Most community banks will also go to 2 yr ams.

"Make sure your tenants have good credit scores."

Traditional banks, on the other hand, take longer and require more detailed financial information and credit checks.