Roku now has automatic account linking as of last year, a large portion of channels utilize this feature.

I would say don't be afraid to utilize the equity line again.

SBA lenders underwrite to the tax returns, so if those don't show a profit (at or least a profit after reasonable add backs), you likely don't have a deal.2) Lack of documentation - SBA is doc heavy.

If you use different sources it will be difficult to calibrate the different scores, but think of it as a percentage of the max available score.This particular score seems to be based on an applicant's credit history, including payment history, credit utilization, and credit availability. 

Probably will never be utilities there like electric or water. 

How are the utilities billed?

Better hope paint,carpet,advertising, commissions, and utilities don’t cost $600 or you blew your cash flow, it’s zero.

But 1k a month in utilities definitely seems high.

We utilized Partner Driven's proven funding model, leveraging our capital resources to close the deal with cash.

Be sure to take high-quality photos, and if possible, request utility records that confirm separate billing for four units.