I currently work in IT and have lowered my debt and raised my credit score to a respectable level and if there are any questions or suggestions please contact me.  

Only need a 680 fico score.

Private buyers – both local and foreign – and, to a lesser extent, institutional investors and REITs, were increasingly willing to accept record pricing and highly compressed capitalization rates as the cost of entry to British Columbia’s coveted multi-family real estate market.Rising rental rates in Vancouver are also proving to be an incentive for investors to secure multi-family assets.

That way you can use the application for all your prospective residents who are interested in applying.Some typical guidelines:-Credit check (you can determine if you want a certain score or higher, ie. 650+)-Background check (you can determine your criteria, ie. no felonies)-Income verification (you can determine your threshold, ie. 3x gross monthly rent)-Landlord referenceFor each, you determine what your minimums will be.

That was my pretty horrible explanation of how banks work, but there are scores of brilliant people who have done a better job.

It is peer to peer lending completely based on your credit score.  

Certain companies would not be eligible to use the exemption, including:o Non-U.S. companies,o Exchange Act reporting companies,o certain investment companies,o companies that are subject to disqualification under Regulation Crowdfunding,o companies that have failed to comply with the annual reporting requirements under Regulation Crowdfunding during the two years immediately preceding the filing of the offering statement, ando companies that have no specific business plan or have indicated that their business plan is to engage in a merger or acquisition with an unidentified company or companies (no blank check companies).Investor Limitations Individual investors may, over a 12-month period, to invest in the aggregate across all crowdfunding offerings up to:o If either their annual income or net worth is less than $100,000, than the greater of:§ $2,000 or§ 5 percent of the lesser of their annual income or net worth.o If both their annual income and net worth are equal to or more than $100,000, 10 percent of the lesser of their annual income or net worth; Securities purchased in a crowdfunding transaction generally are restricted and may not be resold for one year. o Holders of these securities would not count toward the threshold that requires a company to register its securities under Exchange Act Section 12(g) if the company is current in its annual reporting obligations, retains the services of a registered transfer agent and has less than $25 million in total assets as of the end of its most recently completed fiscal year.

As long as your nephew meets the qualifying requirements (min. credit score, debts not pushing you over DTI ratios etc.) he is allowed to be on the loan.As long as he remains on the loan, he is financially obligated to the mortgage.

i feeI building is a more profitable avenue, but i have a semi low credit score and no added income: but i can add my son to the business as he has a high paying job and better credit. 

As a newcomer, I really scored in my first deal; so I am trying to deal with this anxiousness to dive in once again.