You may also find it useful to get a business credit card as well for the same reason.

I've been educating myself on real estate for the past 3ish weeks or so but I have about 10k worth of credit card debt should I try and pay it all off so I can get my credit score up and have better approval odds for my first investment loan (I would be using my VA loan).

Her Mom is attempting to take out a home equity loan on this property to consolidate credit card debt.

A cash out refinance is over a 30 year, lower rate and not viewed as a "credit card" aka debt risk.

Either begin by paying your cell phone bill or having your parents put you as an approved person on one of their credit cards if they have good credit.

Do not charge up any credit cards you have, take out new ones and do not buy a car, or finance anything else new until after the closing. 

Then your getting 0% interest on the cards they get for you, which some come with rewards and points!

The force you to come up w business name on the spot to do business cards and reserve website url for a website they host, for a url they own - if you leave, they own those digital assets.

I am at the point where I am going to call my credit card and file a claim. 

I utilized (and maxed out) my credit cards to afford the materials necessary to renovate the apartments (I know bad move) therefore I cannot acquire a loan of any sort to fund the initial funds necessary to acquire a hard money or DSCR or rehab loan.