@Patrick Civello You should contact Dan Chapman at Homebridge Lending. https://www.homebridge.com/loan-originator/dan-chapman/#homeDan is a Marine Corp vet and incredibly knowledgeable about VA loans.

These are incredibly powerful, and when structured correctly you build an incredible backlog of future profits, while freeing up chunks of cash to buy more notes, while building an incredible backlog of... well you get the idea.- Josh

My credit score is will over 820 and i have a 7 figure portfolio and could pay the $85,000 back in probably 10 months pretty easily without having to sell stocks or refinance properties to quickly get into this multi family investment.Thoughts?

Also, I recently screened a couple who doesn't even have a FICO credit score.

I didn't know these things could factor into the scoring system.  

Credit score disqualification, insufficient work history or income, criminal record, etc.

Bring it below 3% utilization (you will see the biggest score jump), you can ask for a credit increase.

If you have a good credit score and are putting a decent amount down, you can get the rates down to a level that isn't much higher than market rate for conforming loans. 

You'll get eaten alive.I know it looks tempting to compare regulated rents with market rate and start fantasizing about the potential property, but it is incredibly difficult to make that a reality.

Dmitriy Dorogan I could help you out, I have a lender contact that offers no minimum credit score, no income verification.