Hey, there was a guy I just used ... allowed me to pull 50% out of a paid off property ... no income verification and credit qualification ... though they did pull my credit. 

Live there for the minimum of 12 months, move on and rent out your prior unit to improve your cash flow.

My credit score right now is over 700 so still looking to build that more as well.

i know i can call and get quotes but they run soft hits on your credit for each one so i'm not looking to have tons of hits on my credit. 

You can get credit for any option fee that you paid and also any rent credits that are fully documented, so long as the rent credits are over and above what the market rents on the appraisal comes in at.

Everyone is happy, though the seller just wants to sell i know shes happy there are no calls in the middle of night and her house is in excellent condition b/c the TB's are treating it as they own it, going through a credit repair program and working with my mortgage broker that specializes in

Get with a loan broker that is willing to help him improve his FICO score.

I'm relatively new to real estate so I'm hoping you can offer some useful insight.Applicant 1: Excellent credit, low debt-to-income ratio, upper-middle-class income, very little available cash in bank account (cash is mostly in stock and retirement accounts)Applicant 2: Mediocre credit, better-than-average debt-to-income ratio, middle-class income, enough cash available to almost buy home outright.

Originally I put 600 credit and higher, but quickly found out that most people have 500s.

You may find a lender who would give you a line of credit on the equity.