I prefer to help my tenants build their credit and buy the homes they live in after three to five years.

I have created an account, and when I put in my credit card info, it did not pass.

Residential Lending Hard MoneyNationwide private money lender for home flippers and other real estate investorsBarnett Capital provides lines of credit for acquiring, renovating, and stabilizing single-family, multi-family, and mixed-use investment properties nationwide and in Canada.

I'm basically a 'principal' in the deal, meaning our relationship is adversarial and I am negotiating on behalf of my own interests, so just because I have a real estate license nothing like fiduciary responsibility applies. 

.- Also, do loans with private lenders appear on my credit report?

Talk to a tax adviser about moving that money from your old company's 401(k) to a rollover IRA or other retirement account before you make this move.If you have equity in your home, you may want to consider getting a HELOC from a local bank/credit union.  

I see all of these ads for hard money lending but I don't want to apply for anything and take a hit on my credit score which I have been dutifully rebuilding after a divorce a few years back.  

Indiana gives a tax CREDIT of up to 20% of the first $5000 invested each year.  

I do have credit but for the last 3-4 years I have always paid cash and used a debit card.  

My credit is full with our house and school loans, and my husband just started to get credit a few months ago.