We have no debt, essentially perfect credit, and no other blemishes on our records.

What’s more, I have a credit score of 750+ and without the fear of being rejected anymore, the only obstacle left for achieving my goal in getting started in real estate would be myself. 

If there is financing on the property it is their credit that is at risk, if there is no financing it is still their free & clear property that is at risk. 

(roommates ugh) My mom cosigned and I promised to refinance her off of the mortgage to free up her credit before moving on to other properties, so that is my next step. 

I heard on one of the podcasts that there's some sort of line of credit...not sure if this is for all commercial banks, and if so, maybe then it would probably be best for investors to go with the commercial loan? 

At that point, they give you credit for 75% of the rents to account for vacancy and capex.

My personal credit score is over 720 and I'm trying to find hard money lenders that can fund the buying and the rehab work of some properties.

Can you imagine not paying your credit card and they never call you?

The other methods being personal loans and credit cards.

Kyle - if you want to determine if  conventional financing is  possible for you at this time ...I would recommend connecting with a loan person to get a formal  pre approval  in place  for any scenario you  care to work with  ...this  process is free and  help analyze credit / asset/ income / employment  and   if  you aren't able to  get pre approved at this time - you can  then be aware of any  facet you  will need to  work on ….thanks