So I'll just add that I've been seeing rates for a creditworthy borrower (700+) for a 30 Yr Fixed Rate, 75% LTV Cash-Out Refi at 6.500% to 7.500%. 

Just making sure we’re on the same page here.3) What’s this person’s credit worthiness?  

Since it's paid off, it shouldn't be much of a hassle, by starting an LLC and then 'funding' it with a paid home (collateral), you could then try to have the LLC (not you) purchase your future rental properties, in this way the banks would be looking to the LLC to back the loan and since you would have your paid off home in your LLC they would likely see it as collateral and would make them feel more at ease and your credit worthiness wouldn't matter as much. 

., the 12-month occupancy requirement for a Primary Residence), andThe Servicer notifies the original owner or natural person that the Mortgaged Premises transferred to an LLC/LP must be transferred back to the original owner or natural person prior to any subsequent refinance or modification application to meet Freddie Mac’s underwriting requirementsThe Servicer has complied with all mortgage insurance requirements applicable to the transferIn connection with any Transfer of Ownership that meets the conditions of this Section 8406.4, a Servicer may not evaluate the creditworthiness of a transferee, require a transferee to assume the Mortgage or otherwise require the Servicer’s or Freddie Mac’s approval of the transfer.

Have now refi'd one of my LLC-owned properties twice over the last few years with no concern over the credit worthiness of the LLC.

I don't expect them to be too creditworthy because with 580 you can qualify for a mortgage and with 620 it's easy, if they don't have much debts to pay.

Don't put limitations on yourself because of age, money in the bank or credit worthiness.

The maximum number of units that can be financed with a DSCR loan will depend on a variety of factors, including the property's income and expenses, the borrower's creditworthiness and financial stability, and the lender's specific underwriting criteria.

However, the availability of credit and the amount you can borrow will depend on factors such as the LLC's credit history, income, and assets.When applying for a line of credit, the bank or lender will likely consider the LLC's creditworthiness, as well as the value of the properties it owns.

there are lots of companies saying they can do this,,some will sell you a seasoned corporation,,,in the long run its a big waste of time and money.That type of thing might have worked years ago when credit wasn't so tight, but today banks want to know who they are dealing with and what that person (or entity) has in the way of assets and income.If you want business credit form an entity, establish some credit (which will require a personal guarantee),,after time the entity will build up some credit worthiness,,but it still needs assets and income to really get very far.andy