I just want to hack or speed up our ability to invest in RE.

I want the ability to do lease options here in California and I know you are in SoCal.  

Additionally because of the strings attached I don't have the ability cash out any of my equity (but I do have quite a bit.) when I bought this house I knew nothing about real estate.

@Trevor Mauch I get what you're saying in regards to the value being derived from lead conversion and SEO.

A lender policy insures, basically, ability to foreclose and retain that priority.  

In many cases, the child will have the ability to own and control legal title title upon reaching majority at age 18.

If income is sketchy, infrequent, inconsistent, unseasoned, or uncertain then the bank is required to exclude it when considering your ability to repay. 

A few pieces of advice.1..Get a .com address if you can.2..Understand that unless you want to spend money on SEO (Search Engine Optimization) and advertising (Google Ad words etc.) you are probably not going to dominate, at least not initially.

On top of the actual raw score that info can help evaluate a tenants credit and ability/willingness to pay bills as well.

Your credit score will have an effect on your ability to borrow, regardless of whether or not you own the property with 100% equity.