Looking at multi family in mt pleasant and I’m seeing all over online crime rate is very high but agents and PM’s saying the area isn’t bad.

I will then go immediately into renovations, for which I have proof of funds. 

Also the plan is to use retirement funds from my 401K even after which, I should have enough left for retirement.

This is obviously an amazing opportunity with interests rates what they are now.

A few I found some information about (mainly to stay away from them as they changed the rates/terms at the last minute), and one had a bunch of fake reviews on the BBB site, but the others I cannot find any information about as far as customer satisfaction.

After 4 months they give you the opportunity to open a secured credit cardAnother is called "Kikoff": These guys will report a $500 Limit Credit Line for less than 5 bucks a month.These modern services are a great place to start, they will never report late payments, won't get you into debt and build your credit score every bit as much as credit cards.After you 3 - 5 of these open for 90 days THEN apply for credit cards, you will get much better approvals, higher limits, lower rates, more rewards etc...Mortgage lenders will also be looking at how long those accounts have been open.

I have set aside funds for a down payment.

I can't make the numbers work with these rates and high prices.

You will need to show you have funds but this is a strategy regularly used. 

Two years ago they were offering me a competitive rate however after one year they raised the rates quite a bit.