The company I work for only requires the bankruptcy to be 6 months prior to get a loan, the interest rate will be higher and could cost more points depending on how good your credit has rebounded. 

A smaller bank or credit union is typically more flexible, so I'd try calling several of them if that's what you need. 

This is in an older part of town where rent is not very high, but I think I can bump it up to $550 for each unit.Rental Property Cash Flow Analysis[Property Description]Monthly Operating IncomeScenario AScenario BNumber of Units7 Average Monthly Rent per Unit495.00 Total Rental Income3,465.00 % Vacancy and Credit Losses5.00%Total Vacancy Loss173.25 Other Monthly Income (laundry, vending, parking, etc.)

If their credit is good enough they can use a conventional loan instead of an FHA loan.

You got credit for it at purchase.

I would definitely tighten up your credit score and debts as much as possible.

I expect my largest obstacle will be my credit score.

We have a very high credit score and significant assets.3.)

I've been trying to get a home equity loan or line of credit and have just been told by one lender that I must have made 6 payment on my first mortgage since I refinanced. 

Can I just apply for a EIN # using my name and my SSN # to get a business bank account and business credit card?