I read a really good blogpost, https://www.biggerpockets.com/renewsblog/2015/05/10/invest-out-of-state-how-to-analyze-a-city/ that talks about a city's Comprehensive Annual Financial Report (CAFR).

I am a IT Professional who has a love for financial planning and passive income.

What this means is that they are required by law to look at for the best financial interest of their client.

......where it would make sense, or be equitable to "transfer a debt" from "my property" to "a groups' property".

With that type of financing you would only pay about 31/2 percent down paymentDepending on your financial situation you might want use an Attorney and/or a tax attorney to give you advice when you know what you are investing in.  

Ones that have the financial credibility, but are just short on their credit scores.

I am 21 years old and I am in search for my financial freedom. 

David Darnell at HomeBanc and Michael Kilpatrick at Grow Financial Credit Union.

I have an excellent day job that will afford me time to research and find properties (online) but i do not have any money for a down payment right now and am trying to dig out of CC debt right now that was necessary for me to buy my own new house and move.I gave my other house to my wife, we are amicable.

David Stone , a traditional bank will look at your debt to income, credit score, and they will not consider the rent from the duplexes as income usually until you've been a landlord for two years, they will also want 20% down, plus closing costs, plus slightly higher investor interest rate, plus probably want you to prove you have 6 months of cash reserves or equivalent marketable securities.