I've recently gotten out of debt so I have the credit required, however, I don't have anything significant saved for a down payment.I just had the thought of looking into taking out a personal loan with a bank to fund the down payment for my first deal.

I believe this is largely because they don't have to cover a gazillion dollars of personal property that they are making me insure.Rates can also vary based on your credit and claims history. 

I usually send a friendly greeting and link to an application, along with a list of credentials needed ($25K minimum gross annual income, 650+ credit score, and a clean background). 

Their rates are going to be somewhere between 5-8%, depending on credit, LTV, and cashflow. 

But, if there's enough equity here and the amount you need is fairly small then you might find someone to do it.Credit cards?

@Anthony Bernabei:   If you live outside of Florida or are not currently in Florida: Request that a Division of Real Estate Sales Associate/Broker fingerprint card be mailed to you.

Does anyone have any examples/stories of deals where they used someone else’s credit to get a mortgage?

When I was starting out, I would have loved to know that I don't need any cash or credit to make it happen.

I have had a job for 2 years, I have a credit score of about 720 (only had the card for a little over a year) and I plan to "house hack" the property I (hopefully) get approved for.

It is like a credit card in that, if you have a zero balance then it does not count against you.