The bank is going to want more than 1-2 months of payment history to judge your credit worthiness, the longer the betterSo my advice is to A. start using credit karma immediately. it's free and accurate enough and B. if you want to use banks and debt to run your investment strategy, then you need to participate by their rules.

Bytaking a more comprehensive view of your credit history, FICO®Score 9 evaluates your creditworthiness even more fairly"So those of you collecting rent payment may want to share this booklet with your new tenants and stress upon them that you will be reporting their payment history to FICO and it can either be a good thing for them or a bad thing for them.In case you are curious, here is an article on how to report rent to FICO.Hope it helps someone!

You will need much higher reserves, much higher down payment, and rather than running your credit to prove credit worthiness the lender will want to know your global cash flow situation.

I would really look at the businesses of single tenant leases, you're buying the creditworthiness of tenant, look at leases, do you have personal guarantys?

From the lender's point of view, they are taking all of the financial risk in advancing 100% of the total costs.As a general paradigm, you should be prepared to bring a certain amount of the project costs to the table (which will vary somewhat depending on your creditworthiness as a borrower, and also the quality of the deal), and then use a lender to leverage the capital you can bring to bear.Hope this helps,Michael

In addition, credit worthiness is huge.

@Joseph Duenas, it will depend on credit worthiness as well.  

They all have different requirements and different appetites for these types of deals so you need to shop it around.They will definitely require a long term lease with a credit worthy tenants for the commercial space.

Currently, all three properties are leased triple net to creditworthy, nationally recognized tenants with 5 or 10-year leases.

I was led to believe that the term "hard money" refers to fact that the loan is based on the value of "hard assets", in this case real estate, versus a borrower's creditworthiness or "soft assets" such as brand recognition.