They may have a min credit requirement, require xx amount of bank statements, tax returns, etc.

My credit score is not strong enough to get a hard money loan.

I think the credit reporting agencies are also in this data mining, over 30, 60, 90 day lates, and yes, state specific as well. 

I am a property manager for 3 different apartments here in Tucson, and have lived here, for now, 3years and have a good credit, but so far that is the only experience I have in RE.I'm looking into buying and flipping houses (still hesitating which one would be the best way to get started between flipping houses or house hacking) but also I'm 23 years old, would you recommend finding an other RE investor to team up with for my first deal?

I applied a Home Equity Line of Credit with a Rental property I own free and clear. 

Do you have a list of application guidelines what you require as far as a credit score employment income, all occupants over the age of 18 must complete a separate application as well as pay for and pass a separate credit check.

#1 - Your credit score.  

Be prepared to calculate 14% PM expense to be safe.

So what one bank might do, another might do something totally different.My guess is that any drop in value would have to be fairly significant for a lender to reduce your credit limit, but I have yet to see a lender actually put a number on it. 

We are now preparing to strategically grow our brokerage business, and we would like to approach the process with a "blank slate" in order to not bring in a "traditional brokerage" mentality.