Zelle is easy and is credited to your account immediately  

Also if selling the note wouldn't the note buyer want to know the credit information of the seller since they are repurchasing the property back after 3 years? 

I do not look at credit score, because many of my best tenants have poor credit ratings, due to poor money management but they understand they will be on the street if they do not pay their rent.  

@Adam H.Mortgage is off as this is a line of credit not a mortgage.

While in the process of finding contractors and meeting people, I learned about historic renovation tax credits.

If you go forward make sure his finances are in good order and his credit rating is spotless.

Small banks, credit unions, and portfolio lenders will be your best bet.

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 ?