After looking at the information the agent gave me it looks to me like he was too close on his payments and when the property value rose dramatically from the cities investment he could no longer keep up with the payments and the taxes because the property taxes rose correspondingly over that same short period all at once on his properties.

I'm assuming you know the basics of paying in full, on time, etc.Here's a few things that will help fast track to establishing credit -Get an auto loan / a secured loan. 

My term is 1st+last + security. 3 times rent of about 900$ is not something ordinary people (not rich but "working") should have?

I believe you can put down as little as 3.5% and even if you just secure a duplex, you could live rent-free (off the rental from the other side) and could save up faster for your next purchase. 

This would also afford me the security of having around $6K cash flow monthly coming in from my business should I have some unforeseen “bumps in the road” with my rookie real estate investing but also afford me true potential to grow my real estate portfolio.Plan B is to sell my business and use the cash to purchase several multi-unit properties or even an apartment.

I don't understand how people in a very competitive industry can turn down business - especially when I've discussed what I want to do in the next 6 months and told them I have secured my funding. 

@Glenn McCrorey the last time I went in a bank and mentioned your name, I was quickly escorted out by security!!

18 USC 1344 - Bank FraudWhoever knowingly executes, or attempts to execute, a scheme or artifice— (1)  to defraud a financial institution; or(2)  to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises;shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both.

We do not currently have the funds to absorb a failure of the heating system, but there's enough income to budget 10k annually for capex and still hit a 10% cap rate, so it's something we could remedy within the first year or two.I reached out to a business contact and asked if he would secure contingency funds in exchange for a percent of AFFO (basically, we'd pay him a portion of the income in exchange for the right to use him as a private lender in the event that one of the systems failed before we replaced it).

We installed a security camera and she’s flipped us the bird twice today.