Good credit.

Owner-Builder Construction Loan (Challenging but Possible)Some lenders offer owner-builder loans, but they usually require:✅ Strong financials (good credit, assets, low debt-to-income)✅ A solid construction plan, budget, and timeline✅ Proof of prior experience (renovations help, but formal experience is a plus)✅ A licensed contractor or project manager to sign off on the build2.

I don't know if credit unions can ever do this stuff?

@Timothy Hero community banks and credit unions are the OG DSCR lenders.  

Also, the transunion credit and background check is almost $50 per person.

You’ll want to check with local credit unions or smaller banks since they often have more flexible HELOC options.

-After the second eviction, I specifically asked FPM to focus on tenants with better credit scores, even if it took longer to find someone.

Have you leveraged lines of credit, private lenders, portfolio loans, or other creative financing options? 

My main Partner is Chase because gives the biggest limits great when it comes to building a relationship and getting BLOCs and other things also would recommend local credit unions biggest thing you always need to figure is the banks Cap of what they are willing to lend until they need everything Chase for example is 150k Citizen Bank if in area a great one for Blocs only require bank statements to calculate how much you can qualify for.

For example, I mention that every adult must pay a $XX application fee, pass my credit/criminal background, make a combined income of 3x the rent, and whether or not the property accepts pets.