I actually live in Pewaukee - LOL - voted one of the up-and-coming and best places to live in the country, if you give any credit to these sorts of studies.The City Of Milwaukee is mostly a craphole.

One girl has credit score of 400, her supposed boyfriend has credit score of 650, 2 other adults will also be moving in with them, which is the height of our limit of 4 people per room, I don't know the other 2 credit scores yet but of course I'll screen.

To get into commercial you'll need much larger downs and commercial credit. 

I don't want to shoot myself in the foot by taking out this line of credit.

If you can do 4-5% down payment and have a decent credit score, most local lenders (mortgage brokers, credit unions, local banks) will be able to offer you a way better (overall) deal than an FHA loan.

I heard using line of credit for maintenance is what you should do.

@Joseph Blanchett, as military, traditional lenders will be tripping over themselves to lend you money assuming you have any type of credit history at all.

Its scary having this many credit cards but you also have more available credit.

My personal credit is mid 700’s and I was curious as to if anyone had any ideas about whether it is best to use personal guarantees or use your tax Id to establish business credit.

I'm also a grad student so my financial situation is not actually the best and I'am currently enrolled in a credit repair program (hopefully that helps with potential loans if need be) so I was thinking that maybe NACA would be a great start to purchase a multi family to house-hack and product passive income.