You need a high credit score and no bad debt to move forward.

call all the banks and credit unions in the area.

I have money saved up, 15k, that I am looking to use to purchase my first property and my credit score is ok at 670. one of my issues is my credit utilization due to credit cards I took out for my business that I maxed out and I also have student loans.now fast forward, I want to get into house flipping and later on buying and holding, probably 5-10 years from now. i have done a lot of research on loans I could utilize including the fha loan which seems to be the most attractive to me however I am aware that I would have to stay in the property for a year before I can do anything.

My main house (lets called H1) is worth $435,000 but I still owe $380,000 so a line of credit is not an option.2.

This application covered most things - but I'm wondering if there's anything that was left out of if it's asking for too much information (i.e. credit card information / balances).

Is it even possible to get finance on any deals with you have credit under 600 and no prior flipping or holding experience?

Many people have posted that they have credit unions local to the properties with great terms. 

There was no way I was getting anything out of them and didn't want to spend the extra money taking them to court.Hopefully you can recover some of the money, or at least have the comfort of knowing it's on their record for future rental applications that require background/credit checks.

Did it also give you access to write your own offers from the brokerage office and credit them as the representative? 

I have a single parent who owns our house and is currently only paying the principal and some interest on her line of credit.