Thanks,  The applicant I was dealing with I just rejected due to sub 600 credit score. 

I work for a university and we have our own credit union. 

@Ethan Williams some options are partnersprivate lenders (friends and family)hard money lenders (loan on the deal more than your credit)Credit cardsCo signer for loanI see this is your first post Welcome to BP

Note: I'm rather conservative in my decisions, so personally I'm more comfortable taking a smaller piece and not having to worry about stretching my credit too thin.

- HELOC: I've found one credit union here in Utah that has good terms on rental property HELOCs.

Good afternoon BP,I have been on a tear as far as consuming real estate investing information (BP podcast, books, forums etc.) while I pay off debts and get my credit & finances in position to make my first deal.

My biggest fear is going into a brrrr and not being able to be fefi'd becouse of my less than great credit...

With a commercial loan from a bank or credit union here you'd be required to maintain a Minimum DSCR (Debt Service Coverage Ratio).Let's say the bank tells you that you must maintain a 1.30x DSCR, not uncommon for a small multifamily loan like this.

I have a 750 credit score and about 36k in stocks and stuff. 

Good credit and am debt free.