Kentucky is doing something strange and kind of beautiful right now: we’re stepping off one train (coal) while a whole fleet of new ones—manufacturing, reshoring, logistics, data—are pulling into the station.Two headlines tell that whole story in miniature.Coal: from #1 producer to #7, but still powering the gridKentucky’s coal production fell 14% last year, dropping to 24.3 million tons.

There is no logical reason on products.

USDA doesn't do investment loans, just primary (and multifamily tax credit deals).  

Accepting cash is a terrible idea.I"m less concerned about the credit score as many residents have poor credit.Unless you go through all the steps to qualify them properly, the best steps you can take to avoid financial loss is to not take them on as long-term tenants.

Portfolio or property LOCsIf you own stabilized rentals, a revolving line of credit creates flexible “dry powder” between refis.The big picture: your equity is still working for you — you just need parallel capital sources so opportunities don’t slip by while you wait for seasoning or appraisal timelines.

I would also find an attorney who you really like and can assist on some of your corporate decisions (like LLC). also I would reconsider using business credit vs cash for an investment as too much leverage can be bad. welcome and continue to network !!

Quote from @Ethan Maciejewski: How do I determine if a tenant should qualify for a resident who has a low credit score but good rental payment history? 

How about the genius of using credit cards to do investing?

It was refreshing to work with someone who understands investors and has a variety of loan products available for more complicated financing. 

Look for local or regional banks and credit unions in Georgia, as they’re often more flexible with first-time investors and new construction loans.