Even a private or hard money lender is going to ask for your personal financial statement, and if you have no cash and a lot of credit card debt, they're not going to look at you as favorably. 

(Here’s all the info I can give to assist with your response to my question.)Location: Philadelphia, PACredit Score: 660Income $2200/monthDTI: 30%Employment status: Full TimeCash for downpayment: $4000-$6000As far as my “debt” I have a total of 6 Credit Cards & my card utilization is 75%, 63%, 64%, 90%, 57%, 65%.

The amount of work goes into it is a bit more if you are having credit card payments, cash payments, prepayments, and reconciling between renters and dealing with expenses.

Local bank and financed repairs with a zero % interest credit card and gonna use cash flow from both of my rentals to pay it off.

Individual mom and pops are losing their income streams and defaulting on their mortgages, autos, credit cards - etc, and they need capital.

@Jane S.Can’t they use there debit card at Walmart and get a money order. 

Try to work body art into your business cards.

Thinking out loud on the subject of stacking cash: selling properties, taking cash out mortgages on personal home and rentals, selling stocks, getting signed up with HMLs who are still lending, getting bunch of credit cards with cash advance priviliges. 

Unfortunately, I don't believe fixing the ceiling below is in the cards right now.

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