You may also want to look at a cash out refinance to eliminate one or more Heloc or a few credit cards to lower your DTI and outgoing monthly debts.A heloc is a risk since its an open end mortgage like a credit card which carries a higher risk versus a 30 year mortgage. 

Below is a link to Josh Andrew's book which is an excellent starting resource, and an e-book from Dave Van Horn about NPL investing. https://www.amazon.com/Paper-Profits-Beginners-essentials-mortgage-ebook/dp/B06Y4C7X6Y/https://www.pprnoteco.com/wp-content/uploads/2016/08/Intro_to_Note_Investing.pdf

That typically results in a higher payment and an open end mortgage (Credit card) versus cash in the bank that can act as an Asset and PITI reserves where a Heloc cannot.Feel free to reach out if you have any questions, I enjoy helping and talking REI.

Some of the projects were with a local partner as well and then the managing chores were split between us.The lending perspective was stiff in the beginning, as I didn't have any experience at all, also no credit score, and that project was only by myself, so the leverage was low, but I could work on a low-price property to start.Fast forward 5 years, I have built a credit score with 2 credit cards under my ITIN of more than 650, and done 4 properties as experience.

A lender would have to be a fool to lend on collateral that wasn't protected - if the house is lost in a fire or whatever, the loan is unsecured at that point and is basically credit card debt. 

These can be paid by credit card or bank transfer.

I'm looking forward the data analytics page getting built out fully; the beta version shows promise.The fees for credit card payment, using FF affiliate KeyCheck, are higher than most of our guests want to pay.

Do a cash out refinance to offset any credit card or installment loan with a rate above 9% to offset the loss until you have the ability to sell ot or transition into a STR.

You also have to consider a Heloc is a credit card a.k.a debt burden unlike a cash out refinance its a mortgage (One loan).

A SSN is typically issued with “permanent residence” (green card) meaning the person becomes legally allowed to live and work in the US.