It was the webinars that put me over the top and gave me the confidence to make my first offer and just go after my dream.

The operating account should be to receive rents, pay expenses, and have a debit card attached for quick spending items.  

Hello George.We all as investors face the same opportunities, finding a good deal and getting it under contract for what the property is worth (taking into account financials, terms, rehab, etc.) and getting it closed, so we can turn a profit.I can only assume you are just getting started in investing based on your question (I could be wrong), so my first action item for you would be to market to these owners through post cards, letters, door knocking, email, phone, social media, etc. so you can gauge interest in selling. 

I have no debt (besides nominal credit card expenditures which are paid off at the end of the month), 786 credit score, plenty of money for a down payment and reserves but what are my other options to getting a loan?

That is CASH that you draw on, I was told its like a giant credit card for your home.

We verify by student (or faculty) ID Card, or if they're incoming by an acceptance letter.

Staples will print 500 post cards for $100.  

I agree with you and I suspect its this way in most all states in the US... but it does give brokers a selling card.. they pull out to entice investors into their deals with the HEY WE DONT ever have to foreclose we just record this little QC and take the property... like an tenant eviction only worse  LOL.

Are credit card liens easily negotiated?

Every couple of years or so, one bank even gives me interest free, one-year loans in the form of a cash advance on that bank's VISA card (and no transaction fee).