Either way if you personally guaranteed the note, yes it will affect your personal credit no matter who the property is titled to.

Since they're low income/tax credit, they just don't make the kind of money needed to pay those huge premiums.

Choosing the right lender for a HELOC (Home Equity Line of Credit) can make a huge difference depending on your goals.

Verifying last 2 years of rental history very important!

Do you have W-2 Income, 20% down, reserves, and a decent credit score?

Take a copy of the lease, payment history and if you have one your receipt book.

Verifying last 2 years of rental history very important!

History: At one time (when I first began marketing for LPO leads for a fellow investor) the Free Ad Sites were the place to go to find motivated sellers.

Once these type investments develop a history, I can see a market similar to peer to peer lending where default rates become standardized and known.  

There's a few different ways to focus on a lower rate such as with house hacking and making the investment your primary residence, requesting a significant closing credit from the sellers for standard rate buy-downs (which I've had great success with recently), or utilizing lenders who offer short term rate lowering solutions such as 2-1 rate buy downs (again, ideally paid for by the sellers).