Often you can get everything pre-approved prior to purchase and the only wild card becomes the conventional appraisal.

Credit card debt for frivolous purchases is NOT the same as mortgages on cash flowing real estate.

Take the cards I’m dealt and make the best of it.

FICO doesn't treat mortgage inquiries the same as credit card inquiries.

The broker I left a business card with called me on the phone and asked me how much a property was worth.

Can I simply use my Wyoming LLC that already has its own EIN and bank account and business credit cards to do this master leasing business? 

He explained to me that he has 5 kids and is going through a divorce and tons of credit card debt from redoing the kitchen - all this stuff that isn't my problem. 

In general, once you have no late payments for one year and your credit cards aren't maxed, you should be in the mid 600's for a score, and begin to be eligible to tap that equity.Good luck!

@Griffin StephensCredit cards (used responsibly) can help a lot. 

I don’t want to do a personal loan or use my credit cards, no 401k, and no friends/family that has means to lend.