After flip flopping between various properties, we finally settled in on a duplex that had 1 unit occupied.Early in the deal, I told him that my credit was going to dip because I was borrowing the money from credit cards, so I was concerned about not being able to get a mortgage.

Problem is its a large pot of money the state borrows from for any shortfall, and somehow they never have repaid what they borrowed over the decades. 

Anyone have a guy i could borrow?

I would hate to leave all that money in the deal but I am paying about 12% on borrowed funds until I refinance.

As a former wealth banker, know this: don't borrow money until you have a defined, vetted purpose to do so. 

It is safer, let's say you borrow 100% while hold 20% as cash reserve, than just borrow 80% with no reserve at all. 

You don't want the borrower and everyone else know where you live.. even though theoretically they could go to the WA SOS and find out that way, maybe.

If the borrower... does not own a principal residence, and does not have a current housing expense, then for qualifying purposes... rental income from the subject property cannot be used."

I am always wary of borrowing money out of a family member or friends 401k.

I know, I help my borrowers find long term financing for their BRRR's.