You can get hard money with bad credit easily, but if it is a buy and hold, you need to refinance out to conventional commercial, which requires a decent credit score.Start saving your downpayment money and start networking with others at groups. 

I'm on BiggerPockets to expand my knowledge of the real estate market with the ultimate goal to get financially invested.

I say ok, I think I can come up with say 10K to get "skin in the game" which should cover the 4 points easily on the type of deal I am looking at.

Could you expand on that a bit?

It is an inexpensive option and You can easily clean/disinfect/repair between tenants.  

I think that is a terrible idea, because anyone could easily forge their credit report. 

@Joel Rodriguez Maybe there is a way we can work together, to expand each other's level of knowledge, grow professionally, and reach our respective REI Objectives.

They underwrite their APPUAR differently than most and even though their loans are DR on whole life, their APPUAR is very very flexible so you can make up the spread pretty easily.

With the use of a white background, a graphic designer can expand the background to make a seemless high-end looking marketing peice. 

We own 2 single family rental properties that are cruising along just fine, and we'd like to expand our real estate portfolio.