Replace the creditor to modify the loan as needed and collect payments or to step in their place and obtain the property through foreclosure?

@Graham Bates Try asking for owner financing, Establish an LLC in the United States and after maybe 2-3 years of positive cashflow on your LLC Tax Returns you will have a much better chance of obtaining a loan here in the US.

Rehab portion of the loan typically not to exceed 100% of acquisition cost unless otherwise approved.CLOSING COSTS :Up to $1200 of closing costs (i.e. title insurance, recording fees, etc.) can be financed as part of the loan proceeds.GUARANTEE:Personal guarantee required.QUALIFYING DOCUMENTS :Investor Assessment FormLOAN DOCUMENTATION:(For Each Loan)Purchase AgreementSummary of Rehab Work to be CompletedAfter-Repair-Value Appraisal (Obtained by Brookview)Tile Policy (Obtained by Brookview)Brookview Deal Submission FormPictures of Rehab PropertyHome Inspection3 months of Bank Statements2 years of Tax Returns3 Most Recent PaystubsSigned 4506-T 

I'd also suggest you obtain an appraisal, which will probably be required, this will aid in your sale. :)

It is something you already gave to someone else.It is possible that IF your student loan defaults and the holder of that loan obtains a judgement, that the judgement can be used to lien your property or garnish your wages.  

Those designations take some work to obtain and they signal the agents are dedicated insurance professionals and not just salesmen who were selling cars (or houses) last month but are trying their hand at insurance.

So assuming we actually use a personal guarantee, could we obtain business credit in the form of lines or credit cards, and could we use these business lines as down payments for investment properties, while we use our personal credit history to get traditional financing?

I just like the ease and quickness in which you can obtain an relatively accurate comp.Noted.Is there some way to see what the system can do?

I don't know if I should go to the banks now with a loan application to obtain funding for a multifamily now, I have rented it for over two years, so I might be able to show rents as revenue with Fanny Mae for debt to income ratio purposes.This sfh is worth about 125k more than what I owe on it that’s:Out of my areaRented until April 1Break even after capital expenditures I was thinking about buying a multi family on a 1031, but I don't want the 45 day rush. 

If someone does want a free one (or one that's easy to obtain online) though, I usually suggest going with whatever one has been approved for use by the local Realtor's Association (or Rental Housing Association in some areas) for several reasons.