Do some shopping around and call credit unions in your area to see which are giving the best rates and who you get a good vibe from.

Almost every one of them was a terrible investment and now that I know the city intimately I would never have bought any of them.If you think you're the smartest person in your overall team you are already in trouble!

Without selling, I want to tap into some of it for investing purposes, but I've got the good old favorite DTI hurdle that's preventing me from more easily accessing it from a conventional lender (I checked with a credit union already).

I just started my business with my ein but it takes a bit to build business credit.

Years ago we spoke with a lender about several types of lines of credit.

This will be my first commercial loan due to the amount of units I am acquiring.My assumption is the loan would require: great credit, at least 25% down payment, and reserves?

People use credit to get into a property , that is have a creditor pay for them initially , then they will pay from what they earn back to the lenders but still end up with a profit. 

So long as the property rents for the same or more than the PITI payment, then your good to go. 600-660 minimum credit scores up to 80% LTV or 20% down payment.

No Bank, No Credit Needed Requires $50,000 cash Assumption: Turn Key company has found and rehabbed property and found renter to install Assumption: Turn Key company has found property with equity and taken over loan with Subject To or Wrap.

It is a small additional fee over the credit check fee.