Do you have a business line of credit by chance? 

You can choose credit only or credit plus criminal & rental history. 

I called a few credit unions local there, and they told me I have to live in the area to be a member and ultimately to take out a loan. 

. $1.1 mil + equity in my property (no liens, and very good credit score)Since I am running a business on my first level of my home, I couldn’t find any financial institution to secure me a HELOC (apart from point.com which doesn’t seem a good deal for me)…apparently, the lenders don’t like mixed commercial/residential type of business (e.g. assisted living).

ABC contracting is running 5 jobs  , extending credit on the belief he will get paid .

What if one persons income/credit score qualifies alone?

The method you just outlined is a poor way to do this.

I think I've found what it is: International Paper Masonite Omniwood - the bad part is there was a class action lawsuit against this siding type, I think because of poor quality and not being able to stand up to the 30-year warranty.

Outside of real estate, but someone looking for a business line of credit, or business financing for a non-real estate business.   

I found an 8 unit apartment community, but am unsure about how to get financing since my credit and income will not qualify me for the purchase.