Yes and no.There is a new investor loan that is available for 30% down, 620 credit score and you must own a primary residence.When you use private or hard money, there are no such requirements.

Investor should get a business account for credit card payment (minimum limit) and a bank account hooked together never give them your personal account info.

I've looked at hard money no doc loans. but 1.) seems a shame to go that route when I have so much equity and credit score of 830 and 2.) it's EXPENSIVE and leaves little room for profit.  

So if you exclude Section 8 or other vouchered tenants, if the new ordinance goes through, you will have to allow vouchered tenants to apply and count their voucher as part of their income.most cities on the MO side are creating licensing and interior inspections to become very similar to KS, although KS has a state law allowing a tenant to opt out of mandatory interior inspections, no such law yet in Missouri, we are trying to get it passed. 

Won't your credit be worthless in a way since you technically do not own any of these properties?

I should add that we have about $25k in personal debt to family for a car and another $5k on an interest free (18 months) credit card to pay for my wife's schooling.

My 1% member has great credit, but low income relative to the asset.2.

You can use Cozy or your state LL association for background checks, credit reports, and docs. including leases.

Maybe consider peer to peer loans or credit card 0% checks

Try a local bank or credit union to get 80%.