As a beginner, you can learn a lot from your uncle with a few rentals in another state or a co-worker that's on their second house hack.

Have not used personally, but will PM you a contact a co-worker has used in the past.

We can refi with his wife's higher credit score if she is also on the title and the rental is in an llc.He is planning to add his wife as a co-owner on the title then put it in the nonprofit llc which he and his wife are board members.I found information online shows it can be done and seems like there are many extra steps.

Education is important but even better is learning hands-on with deals and having a mentor who gives you the opportunity to be a co-listing agent.

@Elina Aske-  most lenders will want the  returns.....some ideas  1) ask the present lenders  you  have to see if they can offer any  heloc  options  that  dont  require much  documents  2)  ask the banks you have  relationships  with  the same  question  3) are  you  adverse to having a  co borrower  involved   4)  leverage / borrower  against other  assets  like  401k / retirement / car  or  savings   5)  perosnal  unsecured loan  ......good luck

"borrow" your dad's credit(ability) and ask him to consider being a co-signer on the loan. 

They told me that people who are staying in a co-living arrangement often are lower income earners, so they struggle to budget monthly.

Also, the parents of each renter on this lease is a co-signer.

We require a 550+ credit score as well as a current job paystub or a co-signer who meets these requirements.

Unbeknownst to me one of the people that I cold called is a co owner of one of the biggest property management company's here in Chicago.