I will be able to provide a 20% down payment through the LLC, but the question I have is: don’t I need to personally guarantee the loan because the LLC does not have credit history?

Most of our properties were fairly basic 1960’s ranch homes, which we made small improvements to like adding red mulch, painting front doors and shutters, and planting hearty, low maintenance bushes like boxwoods.

In the meantime continue saving more money and make sure you are using your credit meaning make sure you have a credit score because when you actually begin applying that's an important part of the process so that lenders can see you are responsible at paying off any debt.

To find a relationship lender, call or visit the small local community banks and credit unions near the property. 

Maybe a commercial line of credit?

Looking at business line of credit and other options to get across the finish line, and backfill the raise.Attached is the pitch deck.

I would consider a HELOC on an existing property and just do cash or a Hard Money Loan that can lend to that low of property price/total loan amount. 

Quote from @Bonnie Low: Just doing due diligence here.

(Quickbook’s little brother.)It’s very much overkill of what you’re trying to do but it’s super simple, downloads all your bank and credit card transactions, and only costs $50/year. 

I am in debt with mostly good debt, a little bit of credit card debt.