I also don't see any NMLS licensing posted on your personal website, company page, or even your signature line. 

Conclusion: Don´t give your credit card infos for "free" products!!!

Keep your payment at no more than 35% of your income and minimize your credit card and auto debt.  

This is a good opportunity in a strong market, and with your excellent credit and HELOC funds, you’re in a great position to make this project happen.

.: Quote from @Jay Hinrichs: when I was buying notes I did not even run credit.. but I only paid 10 to 20 cents on the dollar.  

Start by getting pre-approved for a loan, ensuring your credit score, debt-to-income ratio, and finances meet lender requirements.

Gator most of the risk is on the person providing the earnest money.

The interest rate on a HELOC or Heloan may be better than the personal loan. 

Here’s a breakdown of the main ways investors fund their first deal while minimizing their own cash outlay:1.Private Money & Hard Money Loans– These lenders focus more on the deal than on your personal finances.

I have great credit but limited capital.