I don't think he even checked my credit. 

Also, if you have good credit, some banks are giving competitive interest rates to Investor's. 

Meanwhile, he's DTI is bad, but his credit is mid-high 700s. 

It took her a while to get out of it and a good credit score.

It is a harder product to find but try using the verbiage of "LINE OF CREDIT" on an investment property rather than HELOC. 

You could still buy the building, but would need to use a bridge lender or possibly a local bank or credit union.

First is if the renter wants to pay by credit card via my website, which company offers the best rate and service?

@Alex Tobias  For my last closed commercial loan, I paid:- $350 documentation fee (at closing)- $15 credit report fee- $25 flood determination fee- $150 recording fees to the town- $40 wire transfer fee.- $1,000 attorneys fees for closing.- no points / origination fees.  5.25%, 20 year amortization.- Existing relationship with the lender, who's a smaller local bank.

This issue that I am having is that my debt to income ration is too high for many banks to give out loans to help finance deals even thought my credit score is good.

This issue that I am having is that my debt to income ration is too high for many banks to give out loans to help finance deals even thought my credit score is good.