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

He put the down payment on credit cards and closed in May 2016.

I asked for references which he DID say they would send me but not after sending them my credit reports and getting approved first for their lending.

So as most people, I started buying property the tradition bank/ conventional way, with personal credit and guarantee. 

Most likely a smaller regional bank or a credit union. 

This is why the bank's background check focuses so heavily on your credit and income  when getting a non owner occupied residential loan and they are rather loose looking into you when you buy a large commercial property. 

@Samantha Klein- Keep in mind though that getting a refi on your property will affect your DTI (Debt to Income) ratio when applying for another mortgage on another property.

The only folks dodging all the LLPAs are folks with good credit putting 40% down for a primary residence they are purchasing that is an SFR.

Hi Ming,I was going to use a home equity line of credit for the down payment.

Apply that mentality to everything you do.