I have excellent credit and good paying job approval will not be a problem. 

Banks, Credit Unions, direct lenders, portfolio..pretty much the full mix of of lenders any of us would use.They all said the same thing.

We have excellent credit and cash capital.

Many note funds take on debt from larger lenders or lines of credit against their assets.

The other part of this is that in addition to this, we are borrowing from our home equity line of credit to put down the 20% deposit- so we have that payment too.   

We have internal funds, our passive note platform, lines of credit along with over 10 institutional capital investors that allow us to provide a variety of loan programs to fit the needs of residential investors from wholesalers to flippers to BRRRR or turnkey investors to land and residential developers.Kevin HillCEO - Aloha Capital

We own 3 other rental properties that have a 6.5%-7.5% APR, and no credit card debt or any other high interest debt to pay off.

Even more than credit, the more experience and capital you have, the more aggressive a lender is going to be.

Our community is actively identifying and investing in off-market deals, sharing the cost of virtual assistants and direct mail, sponsoring deals, investing our own capital, and having multiple group calls and webinars every week with institutional analysts, real estate and SEC attorneys, regional banks, private lenders, and other experts specifically to discuss and analyze deals within the community.

It could be helpful to you (lenders will want to see lease agreements) and it is good for the family member (they actually could do a program where them paying rent increases credit).