I have spoken with more than several HML's and each companies website says no credit checks but after hundreds (exaggerating) of discussions with each co's agents they all wanted and more specifically needed to run my credit.

Brandon from BP mentions hardmoney loans for rehabs, also mentions credit cards, (I currently have put some repairs on a credit card that has 0% interest until Sept 2019).Estimate ARV: 235,000 with the possibility 300,000+ (with forcing value by adding kitchen and bath to mother-in-law suite in detached garage.)Currently owe $148,500 @ 3.625% 25year IIanNot sure how to move forward with repairs.

Witch is the best for first time investors with not so good of credit ?

I have $35,000 cash, no debt, my wife and I have 720-740 credit scores, and we have approx. $85,000 household income.

We'd also pay off our ~$70k of student loan and credit card debt.

I currently have funding from my credit union and SBA loan

I'm sure there is a local credit union in Atlanta that has some decent rates with a first year locked in rate.

Use a credit card for all business expenses for air miles and easy tracking. 

credit card for business expenses only.

@Ronald StarusnakUsing my dads line of credit