Hey Ryan, my Fiancee and I are currently in the opposite dilemma.

My second one will be purchased by myself and my fiancee and I'm running into being unable to finance the next one with a 5% down or lower because my bank is telling me that it doesn't fall under the correct guidelines because it is a duplex.

My fiancee and I have saved a sizable amount of cash that would allow us to purchase a 200K property on a conventional loan and have about 25-30K leftover to fix up the house.

He doesn't take Visa.

The tenant application provided by Bigger Pockets has a section for the tenant to list their bank and account # as well as their Visa/Mastercard and #.

I just paid for a dual-membership a couple of weeks ago for my fiancée/business partner and I.

I currently have a Discover as well as a secured Visa that are paid in full every month.

You don't know what you don't know vis a vi out of state

So, my fiancee and I are taking the plunge with this condo which we plan to rent out by the week as a vacation home.We are planning to provide an upscale vacation rental experience for our guests and hopefully build a regular clientel over the next few years. 

You can always talk to a mortgage broker about your situation - they can pull the credit reports for you and your fiancee and let you know what the story looks like.