@Michael Le Thank you for the tip of how "up and coming" the neighborhood seems to be.

ITIN's have been and are used to extend credit and are very specifically designed for foreign nationals to use in place of an SSN.

Getting a loan from family or friends is out of the picture, i found a local credit union that is willing to let me apply for a home equity loan but that is not guaranteed  and there is also a $300 fee .

Do all banks/credit union need one ?

This issue is still being resolved I believe.A L/O that is with an occupant and where rental credits are applied is a financing agreement, you need to follow Dodd-Frank and Predatory Lender Laws with consumers (your tenants). 

My name is Sean Feery , I am young and would like to begin investing in Realestate, I'm in the central New Jersey area , if anyone can give me any tips or just wants to talk about the area that would be great.

Can anyone provide other tips on how to get a grasp on rental prices in my area?

I'm in the central New Jersey are, just wanna hear from other people around me , deals , tips and what there doing

I am all for not collecting them to reduce liability and making the credit check a soft inquiry so it doesn't hurt the applicant but if you collect the SSN when signing the lease how do you verify that it is their actually SSN and not just a made up number?

I am looking for responses from people that has used credit unions in the Chicagoland area and surrounding suburbs for HELOCS.