I feel bad if people pay the $15 credit check so I only do one applicant at a time.  

I give you credit for stepping out like this.

With my current financial position, the properties need to have at least 1.2 rent/value ratio or higher, be 75% of value, and $150k or less. if the numbers work out in the near future, i would like to start using hard money lenders for the down payment and closing costs on the properties, and purchase them traditionally. i would like for these properties to also have a 1.0 or higher rent/value, and with my current credit i can get approved for around $150k-$200k, so the property would need to be below that. once i fill up my 10 allowed traditional financing properties, then i would go hard money lenders for down payment / closing costs, and private financing for the long term. by that time though my own portfolio should be able to provide down payments in leu of hard money. your comments and positive feedback / critizism about my strategy going forward is appreciated. i am a brand new real estate investor, finishing up on my first hard money/refinance acquisition now, so im just getting started and looking to grow the portfolio quickly. thank you

I enjoy rehabbing and improving houses, I just need some motivation to figure out the financial aspects involved.  

Can a person buy a property with no money and no credit?

It is based off of a home equity line of credit.  

Get to the credit repair folks through a lender's pipeline. 

I am looking to begin my adventure in REI to improve my retirement account in order to have the opportunity to retire in the next 5-10 years. 

If you have a steady job and make a decent wage and you like your credit union, talk to the manager and let them know the situation.

Does anyone else have any contact info on banks / credit unions that that would be able to make that loan?