I do have good credit so wondering I should just go to the bank for a loan for my first property or should I jump into wholesaling or seller finance options. 

should i start an LLC and how can I obtain business credit?

Good credit. 

the other thing if its  a owner occ type loan there could be mortgage insurance.. and most banks sell their owner occ loans anyway.. now if your doing what @Levi T. talked about and going after commercial assets.. this was possible years back.my personal banker was in charge of their OREO and I got the list every week.. and bought a few subdivisioins from them they took back .. but this is small commercial bank where I knew the owners of the bank personally IE president and head credit officer.. and my banker is in charge of all the loan officers... and has banked me 24 years.. so yes its who you know.bigger multi billion dollar banks doing owner occ you can pretty much foregeta bout buying those in todays market.they want as stated to establish if they get a mortgage insurance claim and or they want to maximize profits.. there is simply not as much hangover inventory.. and or they will then sell off notes.. 

I don't have that cash, but I do have it in credit cards, although that isn't logical. 

Maybe talk with a local bank or credit union and see if they'll be interested in a portfolio deal.  

Qualify the lender to make sure they give you income credit on the home from the rent (usually 75% of gross); your required down will go up 5% on the 5th - 10th mortgage (ie: 20% to 25% on SFR); and you will need to keep extra reserves. 

I've got a 780+ credit score. 

Is there anyone on here that is a credit specialist?? 

It sounds like you’re dealing with a speciality product, but localBanks or credit unions tend to keep their loans on their books and may be willing to get more creative.