Hey BP,Do any of you use a separate credit card for all your business transactions?

Yes you can get a HELOC check with some smaller local banks and credit unions.2.

I've recently gotten out of debt so I have the credit required, however, I don't have anything significant saved for a down payment.I just had the thought of looking into taking out a personal loan with a bank to fund the down payment for my first deal.

The lowest is $698 for a small home and the largest is $1,006. 

I usually send a friendly greeting and link to an application, along with a list of credentials needed ($25K minimum gross annual income, 650+ credit score, and a clean background). 

Their rates are going to be somewhere between 5-8%, depending on credit, LTV, and cashflow. 

Does anyone have any examples/stories of deals where they used someone else’s credit to get a mortgage?

When I was starting out, I would have loved to know that I don't need any cash or credit to make it happen.

I have had a job for 2 years, I have a credit score of about 720 (only had the card for a little over a year) and I plan to "house hack" the property I (hopefully) get approved for.

It is like a credit card in that, if you have a zero balance then it does not count against you.