@Nick Danaluk - The homestead aka STAR credit received in NY does not make your taxes go up faster. 

I'd call local banks and credit unions, ask for a mortgage specialist, and then asked if they refinance investment rental properties, and if so, what the terms are like.

I am wondering what are some creative ways to make deals happen without credit or capital.

I will be going forward though, as I have been building my credit since my Cashflow covers my bills.

Maybe drop it by a few dollars so it pops back on to people's MLS listings, but change the description to include that you are offering a credit for something at closing, pay part of the closing costs, paying for a home warranty, etc.

If you ask in the contract that the loan be assumable based on credit, and you and have no difficulty doing.

@Adrian Jones  We can approve client on basis of credit, assets and income but not appraisal.

However...Your best bet is to use a local credit union in CT.

Services You Cannot Shop For= $2,504 APPRAISAL $575 CREDIT REPORT FEE $75 FHA UPFRONT MIP $1,522 FLOOD CERTIFICATION FEE $7 IRS TRANSCRIPT FEE $20 TITLE – BINDER $15 TITLE – ENDORSEMENTS (LENDERS) $40 TITLE – LENDERS TITLE INSURANCE $250C.

Many investors run into issues with raising capital due to errors from years ago, particularly issues that effect their credit, so the question is do tradelines work to enhance your credit to the cream of the crop and qualify you for the best terms and rates for your fix and flips and buy and holds?