Also, keep in mind that some lender may have overlays that are more restrictive than the FNMA/HUD guidelines, meaning the lender's internal condo guidelines require more than FNMA/HUD.

Always do your due diligence folks, search for their name on here, check for criminal and civil court cases in the county they live/do business in, etc. 

If you're open to exploring international opportunities, I have an exciting real estate project in Dar Bouazza, near Casablanca—an emerging hotspot for residential and vacation properties.

Given your need to avoid personal guarantees and collateral, consider the following institutions:KeyBank: Headquartered in Cleveland, KeyBank offers a range of commercial banking services and has experience with international clients.

Padsplit residents can cause problems with neighbors and other residents because many have substance abuse and/or criminal histories.

Of course the co-signer should be significantly stronger in ALL areas as compared to the applicant...usually this is a parent or relative, and they should be well established, with ownership of real estate for years; long and stable employment; no, or very distant, criminal and traffic court records; well funded SAVINGS/IRA's or stock market accounts.

It might be illegal in your state for them to provide criminal and eviction history?! 

SpaceX now has a rocket testing center right outside of Waco, Amazon is currently building a huge distribution center in Waco, and BSR Surf Resort & Cable Park built the #1 wave pool and cable park in the world, making Waco an international surf and wakeboard destination.  

Employment: I've got three international students with solid job incomes and have been covering their rent with no issues for the past two years (2 of them don't have parents in this country).

And at the end of raising the funds it would be converted t US dollar anyway, the benefit to raising funds through crypto would be international but the US money laundering laws and KYC is conflicting with that therefore adding more cost but also a great idea.