Have you tried to obtain an unsecured line of credit with your new business in addition to your loan? 

There are also line of credit type options that may work for you. 

Or can I just state that their credit score falls well below my minimum threshold?

While the interest rate tightening does virtually nothing to the mortgage rates, it makes everything else; cars, credit cards, installment debt, more expensive and again, hurts already fragile debt ratios.Hope this gives you some food for thought.Stephanie

I'll be happy to send you my late policy and application approval & move-in process letter by email if you send me you email address though  you'll probably want something else if you are buying in nicer neighborhoods and renting to tenants with high income & decent credit.

What if you wouldn’t typically rent to this person (employment , credit score , etc) and now he’s on the lease, they split, and he’s a problem and won’t leave bc “he is on the lease”.

@Paul Daniels those are the two methods most often used, but if you do not want to go conventional or hard money, you would either have to go with private financing, or using some personal lines of credit you may have.

Do this—— Contract for sale for 12 months—- get a 10-15k credit line at Home Depot (pay off in 60 days!)

I am concerned about differing credit scores and incomes. 

Hard Money rates are too outrageous, some conventional lenders will lend for the purchase price but not the rehab, and lines of credit are an option but it's hard to get a business loan large enough to cover 100% of the purchase plus rehab if any.So, here's where I stand.