So your other move would be to close with the tenant still there and negotiate a credit or small price drop to cover the time you can’t move in.

my question is what are you going to use the credit cards for?

You could also leverage a home equity line of credit or cash-out refinance on your current home to fund the renovations separately, letting you close on the new property quickly.

As a CPA who works with real estate investors, I see so much bad advice floating around online—especially on social media—about “easy” credits and quick refunds.

Credit issues are almost always caused by liquidity issues.

If you have bad credit etc. and getting hard money if its under 12% then its probably a scam. 

Do not compromise on the credit score and income levels you need to make it work.

But not having these loans report to your credit, it’s much easier to maintain your credit. and do those applications not ask you to disclose all loans? 

If you are prepared to be a resident in one of the units and rent the others out FHA will allow you to Borrow from them providing you meet credit requirements, income requirements, and length of term working.

Your salespeople are going to depend on you for an office space, marketing materials, credit, LOS systems, CRM systems, and etc..