Also, try Dennis Kahn at Homestead Mortgage.Fort Community Credit Union can do second lien HELOCs on investment properties.

The only known situations where I was ever required to pay a loan fee upfront before funding is with my commercial lenders (banks, credit unions, etc.) on our 5+ units.

This is an average condition house for the neighborhood and area.I have set my screening requirements as:600-650+ credit score3 times monthly rentNo evictions, violent, or sex crimes6+ months of job historySome form rental references.I have an applicant who meets all requirements except I am unsure if he will have rental references because he told me he's couch surfing right now.  

@Braden Jackson WOW...great plan and good position to be in.Lots of different options depending on what you want to do and I would also think your credit score is a huge determining what loan you get.#1...probably right now you best bet is to buy a 4-5 bedroom if you can and rent bedrooms.

I’ve heard of stories where people verified with fake IDs and stolen credit cards and went into homes and stole appliances and furniture. 

I have a great credit score and solid W-2 earnings so I’m pretty sure I could assume the loan.

I know the interest rates are going to vary and I have good credit score/clean history.

Partnering with someone who has cash would obviously work and often times your credit, income, and even labor could be beneficial to them. 

Personal savings, credit cards.

All three houses cashflow and she is not interested in selling at all as this is her retirement plan and main source of income, however due to excess cc debt, a high DTI, low credit score and lack of financing options, she is extremely cash poor. she is at the point where she could and I think should declare bankruptcy on those cc's, and move the houses out of her name. in order to get financing, all houses need to be in LLCs, which they aren't.in order to kill a couple birds with one stone, my mind goes straight to 1.