credit card for business expenses only.

@Ronald StarusnakUsing my dads line of credit

Thanks 1) the city of Chicago has terrible rules against landlords, as an example Doing this from memory, but I think landlords are required to pay interest on an annual basis to their tenants. 

This way you have immediately created separation and should something terrible occur and you be found liable / negligent, your primary residence and bank account are more so protected.If you purchase the property in your name, it’s a personal asset.

Without established credit, you will need a co-signer.

They have bad credit, but the husband has now worked an ok job for a solid amount of time.

However, the normal background and credit checks will almost always weed out undesirable applicants. 

And also what’s the minimum credit score you would need to qualify for the fha loan ?

Yes they transfer to the new owner as either a credit on the closing documents or a separate check.

We just had a terrible experience with an agent who was super unprofessional and just flat out lied about listing the place, several times.