Okay, I need some major help from someone that currently bought real estate with a partner @Linda WeygantWe are trying to buy one SFH in one person's name/credit.  

Are debit cards more vulnerable to skimming than credit cards?

@Keri Bissette,contact Robert Hall and Associates, they are based in Glendale and specialize working with real estate investors. 

We specialize in buying and selling on terms (lease purchase/owner financing) on single family, 2 family's and use a different strategy for 4+ unit buildings.  

Banks will use 75% of actual rents plus your W2 income and then apply their DTI ratio along with credit score and all the other things that go into them determining if they will finance the deal.

Find out what they will lend and walk through their preapproval to make sure there are no red flags with you (debt to income, credit score, etc.).There is always risk.

It can be done with an LLC, The rate will depend on LTV and credit score.

Then simultaneously we get our buyers connected with a credit enhancement company.  

I've been trying to research raw land loans and from the (granted few) banks I've spoken to, they will not loan on raw land-they recommend getting a personal loan out at a ridiculous rate 10-15% interest (they didn't run my credit, it was just an estimate for a personal loan, but I have very good credit-around 760 I believe), to cover the land and then refinance to a construction loan once there is a well and septic as I understand...So was wondering what other options I had as far as financing and what others have used?  

If you are looking for apartment buildings then you should be building relationships with real estate brokers that specialize in that.