I am single, have $5k left on my car loan and $5k credit card debt.

For instance, I know a few shop owners, mechanics, restaurants, etc. and got permission to put my business cards on the cashier counter.As far as the numbers, if they work and you can see them working in the near future, then why not?

Because I don't have a mortgage and not amazing credit I don't look great for a traditional mortgage through a bank. 

Most will request that all assets be in an LLC; however, all ten loans would come off your credit and become a business purpose loan.

I know for sure that you can give Home Depot cashiers credit card numbers over the phone to key-in for a purchase.

I lack the funds and my credit isn't superb, but climbing back up. 

My advice to my daughter and son-in-law as they did not want multi-family, either, and wanted to buy a home to live in,  not just investment property, was to buy something that needs some work, plan to fix it up within the 2-year tax-credit time period, sell and keep profits tax-free, then buy another one that needs work and repeat until children need a solid school district.   

Thanks for the reply Brian, 5% is what the loan specialist I am working  with sent me today as the ball park rate based on my credit score. 

This is because the Canadian credit history is not used by American lenders.

It’ll make you look better to credit unions and banks when asking for loans.