Most commercial lenders want a 680 credit score,  or they won't talk to a borrower.      

(May also cut significantly into the current cash flow on it)I know you mentioned not doing a HELOC on my primary, but wouldn't it be advantageous to have the ability to pay off the line of credit instead of be stuck in a payment that is much higher? 

I know I could put furniture on 0% interest credit cards, but I would need 2+ years to pay it off and I don't want to have to jump through hoops to cycle a balance onto new cards. 

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

I'm 53, married with 2 kids less than 17 years old with debt only from purchases on credit cards and my home.

The masterminds often encourage students to finance the new-car like entrance fees on a credit card, on the promise of just a single deal covering all the entrance costs. 

5C's of credit are a good framework to understand the fundamentals.

Have you looked into local credit unions or alternative financing programs?

Additionally, a CPA can maximize child tax credits, rental property depreciation, and ensure compliance with reporting requirements for their 1099 income.

I would stay away from section 8, pull credit and background, and call referrals, and look at pay stubs for everyone who applies.