The difference with good credit is usually FHA is .55% x loan amount/12 -  versus FANNIE PMI .25% x loan amount/12 . 

If it helps, 800 credit score and theoretically could build for cash...but cash is earning more and doesnt want to tie up the liquidity.

Additionally, cultivating a track record of successful projects can help negotiate better terms over time and foster trust with private money lenders.

It's based on your down payment (LTV) and your credit rating. 

That is why you tend to see builders offering such a big "Builders Credit" it’s because it's "Ghost Money" it really doesn’t matter or exist to an extent.A builder can go into an area build 20-30 homes for example, buy the first 2-3 homes paying top dollar so they can set the market sales.

I’ve seen folks inquire a lot about “cost” be exorbitant but it’s not for the world to set the payroll of the persons assistance they are requesting of.On another note, with that good of an LTV and DSCR - if credit is in good shape you should be in the low 7’s todays market.

Hello,My wife and I have been seeking a business line of credit to help us out with paying some debt we've accumulated through our real estate investing and to help with establishing some capital. 

Hey Ryan, Depending on LTV, Loan Amount, Credit and Experience, you can an expect rates from 5.85%-8.9% Subject to points, fees, etc.. $4k in fees is not bad for this loan assuming this is a $100k loan amount.

@Josh CockerYou're on the right track and congrats on such a move. 

DSCR lenders loan on the cash flow of the property more than your credit so they are often a good choice How fast can you save?