You can choose credit only or credit plus criminal & rental history. 

I called a few credit unions local there, and they told me I have to live in the area to be a member and ultimately to take out a loan. 

. $1.1 mil + equity in my property (no liens, and very good credit score)Since I am running a business on my first level of my home, I couldn’t find any financial institution to secure me a HELOC (apart from point.com which doesn’t seem a good deal for me)…apparently, the lenders don’t like mixed commercial/residential type of business (e.g. assisted living).

Being a contractor and being a landlord are real close , I get a security deposit up front for damages that havent occured yet .

What if one persons income/credit score qualifies alone?

This a job is to rebuild 4 fire damaged apartments.  

The few hundred dollars it would cost you to sit down with a competent lawyer is likely to save you a lot of brain damage down the road. 

Outside of real estate, but someone looking for a business line of credit, or business financing for a non-real estate business.   

Evictions and damages are not.Morale of the story: spend the few hundred dollars to go see Indy in person. 

I found an 8 unit apartment community, but am unsure about how to get financing since my credit and income will not qualify me for the purchase.