Don't forget about credit unions!

We have read multiple books, done plenty of research, talked to a lot of knowledge people, and think we are prepared to start our endeavor.

For those who have done hard-money and private-money, how does it work with your credit score and credit report? 

@Kai Van Leuven ca Joe get financing with that 90k tax lien on his credit.  

I have 770+ credit, no late payments ever.A few questions:1) How fast can a HELOC go through? 

Additionally, there are some good websites where you can pay for credit checks and/or criminal background checks.

Have you tried to obtain an unsecured line of credit with your new business in addition to your loan? 

Be prepared to not get paid much for a couple months while you get things going, and then be prepared for the market to change and give you a dry spell.Some common expectations with having a RE license is that you'll work in a professional industry full of professional people that treat this like a business and treat colleagues as such; However that's not really how it goes.  

There are also line of credit type options that may work for you. 

Or can I just state that their credit score falls well below my minimum threshold?