Pricing for the lower credit scores is higher for obvious reasons.

I heard credit unions but haven’t yet verified.

Fannie Mae , Freddie Mac , etc. know your credit score and own it .

Now I'm only getting 3-10 Messages per day.Sometimes people get there and don't like that it's a duplex and they have to share laundry, some don't like that it doesn't have central Air, and some just don't make enough money to qualify or have bad credit.

But enough about philosophy, and on with the tale.In 2008, the stock market had crashed, the credit market had imploded, and the housing market was sliding into the into the toilet.

Would I be required to form a new business account and credit card? 

What I do is offfer my angry tennants the opportunity to get into real estate investing, offer them work in maintaining properties, collecting rents, and offer guidance on them being able to buy their first place of their own.Don't you think they would love to have at minimum two jobs to be able to save up the money , work their ends off to build up their credit, hunt down deals, and negotiate a purchase, invest their money knowing there is no guarantee of ever getting your money out of it or of profiting, have to spend thousands of dollars or 10's of thousands of dollars, even hundreds of thousands of dollars in order to be a ble to provide others with housing?

A little background. 30 years young, credit score of 730, no debt, I have my CA real estate license but haven’t worked under a broker for a few years.

Some don't care about the borrower's income, but put a lot of emphasis on their credit and experience. 

Even if you got a HELOC off your primary I'd only look for BRRR investments that way you're paying that credit back quickly.