Eventually, if you are trying to get hard money or a credit line, this becomes much more of a factor.

Try your local banks and credit unions.

We were able to play it to our advantage though and get a sizable credit from the seller to compensate for the issue.Biggest learning experience from the whole process is to start everything as early as possible.

Using funds, or incorrectly collecting funds and not applying them as indicated is particularly illegal. 

If your credit and income are good, you should be able to buy at least 10 before the banks cut you off.Attending those local meetings will also be where you can find some better deals on properties than through the MLS.

You are the one who would get hit with nonpayment credit problems as the lender forecloses on the asset.

You can get an FHA with a credit score of 560 I believe.

They pay for their own tenant screening and that is going to tell us credit, criminal and sexual harassment. 

Rates are definitely not "one size fits all," and will depend on credit, loan size, property type, occupancy, and any other special factors that may apply to your scenario.  

@Anthony J Robinson  Hard money loan if you're looking to flip it, or a local bank / credit union (portfolio lender) if you're looking to keep as a rental.