Ryan,Asset based lenders do not factor in debt or income - only credit, cash flow of property and loan to value.

I’ll PM you for sure.As an update, one thing we realized is that a HELOC on the property to be flipped (appraised for $85k) would essentially destroy our credit (large loan for a short period, closing out a line of credit after a short period).  

I’d really like to establish a relationship with a local bank/credit union early on.

So if you hear a bank say "you need a minimum credit score of X"...that is an overlay. 

Hence, to avoid any fraudulent-like activity, I would recommend either seasoning the funds or having her co-sign on the loan with you.

By Day 20, had an overseas hacker stolen their identity and used it to open multiple credit cards in their name?

I don't have a process for credit checks but I do do a criminal and eviction check.

I have a town home in the Frayser area that is a 3bd 2 1/2 bath with a balance of 4k owed on it recently new carpet, painted .  I currently rent it for $650 a month would like to pay off this month (October 2018) but ...

That, coupled with my existing Business line-of-credit and cash on hand, I can pretty much buy houses to rehab and Flip at will, (up to a certain point).

Depending on where your credit is at 7-8% may be more realistic.