The applicant has no verifiable income (he is an artist and woodworker), but has basically zero debt and an excellent credit score (almost 800).

All three houses cashflow and she is not interested in selling at all as this is her retirement plan and main source of income, however due to excess cc debt, a high DTI, low credit score and lack of financing options, she is extremely cash poor. she is at the point where she could and I think should declare bankruptcy on those cc's, and move the houses out of her name. in order to get financing, all houses need to be in LLCs, which they aren't.in order to kill a couple birds with one stone, my mind goes straight to 1.

How do I get funds without tanking my 750+ credit score?

I highly recommend (1) checking Google reviews and (2) asking for DATA to back advertised claims (ex: average turnaround time to close a work order, average tenant satisfaction score, etc.). 

It all depends on the seller.

It depends, a big con is you do not get to see the interior of the property.

At the end of the day, this all depends on your budget. 

Is it all property-dependent?

Whether it is one or both as guarantors depends on the lender.

My credit score is really good and I have around $450000 mortgage  on 2.75  rate for 18 more years.Thank youN.