You will do better if you completely forget that concept.The real estate world revolves around the reputation of the people backing the transactions.

A REIT has a revolving line of credit so they buy and rehab the property by drawing that down, completing the value add, and then getting a loan or  floating their own debt to pay off the revolver.   

@Nelson MartinezOur plan revolved around our investment  accounts.  

One thing that I would recommend, is whoever you put in your rental, make the lease revolve around the Academic Calendar, starting in August or September.

@Cam Chan I use Cozy and have been relatively happy.

All sorts of different revenue streams.Buying rentals is pretty simple concept and most anyone can do it.. but of course there is more to it and that all revolves around managing tenants.

That said, my question revolves around the “intent” portion of an owner-occupied loan.

I got all the tools that I can think of to make this a successful venture: I got the smart locks, keypad, door bell cam, outdoor cam, noise sensor, PMS, Dynamic Pricing tool, scheduling app for cleaners, smart thermostat, etc.

I used Sofi last year to pull $50k for a few projects and it had minimal impact because it's not "revolving credit".You can also try business credit cards that don't report (Chase, AMEX, Citi are a few), but the credit limits are typically smaller.

I imagine most of it revolves around student rentals for UVM and St.