I can handle multiple vacancies and multiple major repairs all at once without touching my regular income, credit cards, or savings.Your reserve may also take into consideration your personal finances.

@Jemel Cooper sounds like you caught a big fish on your line.

Does anybody know if small banks, credit unions and the like have these types of products and are pretty typical?

A few options that I have researched are: Personal Line of Credit, HomeStyle Home Renovation Loans and 203k loans, but I’m sure there are other options that I am not aware of.

After discussing loan options with my credit union when I began my research I settled on a conventional loan.

There are stated income products with reasonable rates that do not require Tax Returns to be submitted they are more so based on the property and credit score

I have a tenant that I rent a basement room to, my credit score has improved at least 100 points in the last year and I have paid off almost all of my bad debt.

When they lent you the money, they checked your credit, not the LLC's.

Do a standard screening weighing heavily on there credit report.

Maybe a partner with credit