Since the business likely has no credit history, you will need to use a personal guarantor to get approval, and your personal credit profile really counts.If it’s a startup, I recommend Chase and AMEX, especially if you or anyone PGing the account has clean personal credit, not a lot of inquiries (less than 5 in the past 24 months), and above 720 Fico 8.

There is an amount that you can distribute from an IRA account to purchase a personal residence.You then might be able to turn the personal residence into an investment property.Best of luck.

It seems we are up against DTI for our personal income as a measuring stick to purchase another property.

I really don’t want this person in my property anymore. 

they're not magic.are you going to in-person / informal meetups? 

Also, you will have to personally guarantee the loans.

I am looking to use hard money for the purchase and my personal money for the reno.

It is very common for the typical bank mortgage person to make this mistake. 

None have monthly fees, all have pay a business or person pretty much right away.

I personally know all my clients and I personally go to each market that I provide capital in and spot check the jobs throughout the year..