If there is financing on the property it is their credit that is at risk, if there is no financing it is still their free & clear property that is at risk. 

(roommates ugh) My mom cosigned and I promised to refinance her off of the mortgage to free up her credit before moving on to other properties, so that is my next step. 

I heard on one of the podcasts that there's some sort of line of credit...not sure if this is for all commercial banks, and if so, maybe then it would probably be best for investors to go with the commercial loan? 

At that point, they give you credit for 75% of the rents to account for vacancy and capex.

My personal credit score is over 720 and I'm trying to find hard money lenders that can fund the buying and the rehab work of some properties.

I am trying to understand something about the background history of a Manhattan building that was purchased 6 years ago by a developer in order to turn it into luxury rentals.

Can you imagine not paying your credit card and they never call you?

The average rental for two bedroom and the state is $764 dollars a month(all based on 2016 Numbers)The things that I don't know(that can kill me)1.Occupancy history (Vacancy rate and why?)

Seeing as we had owned the house only a few days I couldn't be negligent having no history with that tree and not being an arborist.

The other methods being personal loans and credit cards.