You want clients that have credit issues.

I thought I could sell it to the renter but they have no credit.

I have a great credit score (above 800) and solid assets and I would pay far more for money than a conventional loan rate if I were getting money for any investment other than one that qualifies for a conventional home loan.If ROI is your goal then the implied goal is to leverage your money for its greatest return. 

Borrow from family, use credit cards, sell some assets, save. 

Screening - run credit - background checks?

Total Closing Costs (J) $62,251.61 $0 YES Closing Costs Paid Before Closing$0 $0 NO Closing Costs Financed (Paid from your Loan Amount) $0 $0 NO Down Payment/Funds from Borrower$0 $0 NO Deposit -$1,000.00 $0 YES Funds for Borrower -$36,304.75 $0 YES Seller Credits$0 $0 NO Adjustments and Other Credits $1,304.86 $0 YES $26,251.72 $0 Cash to CloseSummaries of Transactions BORROWER’S TRANSACTIONUse this table to see a summary of your transaction.

They have an "Investor Cash flow" mortgage where they basically use the cash flow from the investment property, your credit score, and proof of down payment (at least 20%) to qualify you for the loan.

I think this could be a great thing because we could get magnificent properties for pennies on the dollar, all while the people get to keep their credit, and the banks gets their money.

My fear with doing the latter is the fact that a HELOC is looked at like any other revolving line of credit and that would badly impact my DTI...any thoughts?

Thank you so much so do credit matter for real estate?