I am not familiar with Avail and whether a LL can view credit history.

The deals not going to get better because of the questions you ask, but we look for three main things from an investor: 1) Liquitity/Financial Assets, 2) A good credit score, and 3, and this is a big one, Experience.

This is the max it seems most "A" lenders will loan too, I might get 50% from a credit union but that still probably not help in the short term.How do people keep going?

Also, the credits are "use them or lose them" - meaning, if you pay $12k a month for a 100,000 skips, then you have to use them all that month.

Quote from @Jaycee Greene: I completely understand and I'm sure my fingers are a lot fatter than mine ;-) If you only borrowed $155k, I assume you did a conventional bank or credit union DSCR loan, is that right? 

Sounds like the person knew what was going on with their credit report as they have filed reports in the past. 

Some credit unions or local banks offer portfolio loans that don’t stick to the 4-unit limit, which could work well here.

Local banks and smaller credit unions are most aggressive in this space.

Credit pulls for the same type of loan within a short window (usually 14-45 days) are treated as one inquiry, so your score should be fine.

He has since restored his credit (740) and has stable employment.