My credit score is not strong enough to get a hard money loan.

I think the credit reporting agencies are also in this data mining, over 30, 60, 90 day lates, and yes, state specific as well. 

I am a property manager for 3 different apartments here in Tucson, and have lived here, for now, 3years and have a good credit, but so far that is the only experience I have in RE.I'm looking into buying and flipping houses (still hesitating which one would be the best way to get started between flipping houses or house hacking) but also I'm 23 years old, would you recommend finding an other RE investor to team up with for my first deal?

I applied a Home Equity Line of Credit with a Rental property I own free and clear. 

We are also working on other deals together, so there are additional benefits to both of us.  

Do you have a list of application guidelines what you require as far as a credit score employment income, all occupants over the age of 18 must complete a separate application as well as pay for and pass a separate credit check.

I have also been looking into the benefits of an LLC vs. liability insurance.

Hi John - Welcome to Bigger Pockets  - you are in the right place to learn about real estate - there are many very well versed investors here who's experience  you can benefit from.

#1 - Your credit score.  

Looking to gain as much knowledge as possible about exactly how REI will benefit my family and peers.