I have identified properties in a particular area I want to target and want to reach out to the property owner to see if they would sell.

Once a month we drop off all the paperwork, they record everything in QB.

Reason I ask is there are companies out there who will tell you that you can get business credit but in order to do so you need to be an operating company not an investment companySo just asking so you potentially could avoid spending good money and time chasing a ghost

Tenants pay with Zelle, PayPal etc.Only takes me a few minutes per month to put in Excel.  

Even if there isn't a lease in place, underwriting can use market rents from an appraisal to qualify.

It's all covered in his fees.  

If you do take on new debt or collections during this time, the lender will see and it will require that it be accounted for in your DTI (unless this is a DSCR loan). 

Quote from @Jay Martin: Has anyone heard of or used Bluebird lending they have dscr loans, etc. opened in 2018 in Philly, lend in a bunch of states, but hard to find info on them. have not heard of them but based on the website appear legit.

You have a full plan that, over time, results in a better way of life and more time with family.

There are a lot of groups out there right now that had made-for-TV track records that will likely not be in business in a couple years.Focus on the experience of the team, how long they have been in the business, how many market cycles they’ve survived, their philosophy on leverage, and how many properties they bought in 2022/2023 (a good answer would be few, a great answer would be none).And do yourself a favor and read The Hands-Off Investor (in the BP bookstore) before you invest a single dollar in a syndication.