I have great credit but limited capital.

Applicant 1 has 509 credit score.

To answer your questions here though:Alternative options - I was going to sell all my stocks and etfs, take out a HELOC, and some credit cards to try to shoestring together enough to the deal without a hard money loan. 

I gave out about 2000 business cards in the first few years.

I’ve bought some houses with 0% interest for a year credit cards and a few with consumer lines of credit from banks.

You must have good credit.

Anyone over 18 fills out has to furnish their social security and driver's license numbers, and pays a fee for a credit / background check.

I see people without capital being encouraged to increase their credit card limits to incur  $20 -40k debt which they are told they’ll “earn back” in the first one or two deals they do.  

Often the best risk, hassle and tax-free approach is to pay down debt.If you have a car note, credit cards, etc pay those off first. 

•Use business credit or 0% interest credit cards strategically—just be careful with repayment timelines.Next StepsThe biggest thing you can do right now is surround yourself with experienced investors, agents, and lenders who have done what you’re trying to do.