You can collect applications but don't do the paid services like credit and background checks until you own the property. 

Their credit should be clean enough now to buy.

You might be able to find some 0% APR credit cards, but they typically balloon back up to 9% or 15% after the 'teaser period' is over.

and all because credit markets froze solid..  

Some links offer land that be Bought with a credit card.

She took care of showings, interviews and background/credit checks of all the applicants.

@Pete Bauer wouldn't that be harmful to my personal credit score?

This is basically where docusign asks personal questions from your credit report to verify your identity prior to signing.

Do I use a home  equity line of credit that I have on another rental at 6%  or do I use my  saving earning 1.75%?

@Joe Fairless I NEED to take note, I am exactly where you were a few years back. 30k salary, 18k student debt, I am down to 9% credit card usage, which I am planning to wipe out in the upcoming months. 🙏🏻 But wow, can I just say that your story, is #goals material.