Since they have no incentive to make lenders more money as a lender's employee would be, they can structure a loan allowing lender credit if the client wanted to put less money down on closing costs, and actually shop who will give the most if that's the case.

I have a credit score over 700 and 100% equity, but low income on tax statements (self employed).

I have a credit score over 700 and 100% equity, but lower income on tax statements (due to being self employed).

I have the tenant pay the credit screening service directly, and do not collect any fees from them myself.

I will only accept a certain credit score or higher. 

My credit is stellar so that will help as well.I'll have more information in the coming weeks and will be sure to update you.

A home equity line of credit to setup would take too long.Both of our credit is 780+.What option do we have that we can close quickly and use his home for Collateral.Thanks!!

And it's hindering me from acquiring funds because I want to begin under an LLC to acquire business lines of credit. 

Or is it just better to knock and face the disgruntled homeowner.5 - Does an investor just line up credit first and then go into the wild.6 - If the credit lined up via a bank/credit-union is for more than the price of the home, does it still require your own 20% down.7 - Duplexes/Triplexes/Quadplexes don't seem to be listed very often on many sites.

Now I have to credit $50,000 of that "Z-equity" (new term I just made up) to @Russell Brazil for negotiating $50,000 off the asking price in a seller's market, but since I use mint.com to calculate my networth and mint.com uses Zestimates I am very happy with Zillow right now and given all that-- I think Zestimates are very accurate and I hope everyone else considers them as accurate as I do now!