Unless she has a US Social Security Number, the credit bureaus won't have her info to pull a report with.

or any secured products that lend higher?

If the latter, from the head approach is used and not the heart approach there would be no trillion-dollar multifamily Reg D fraud to worry about.Red Flag Two, Security of Investment Misrepresented:The second red flag we identified involves material misrepresentation regarding the security of the investment.

I'd love advice on how to secure the loan for the initial purchase and rehab, and the overall process behind it—especially since my first deal was straightforward with W-2 income.

The association is responsible for the actions of any tenant they place, as well as the rent, security, utilities, etc.  

Cash flow secured.

She has paid upfront for 2 months plus I have taken a $2K refundable security deposit.

Always secure access before agreeing to sell2.

As a certain politician might say, Don't.In fact, for multi-family especially, I block off or secure any possible areas that might attract "storage".

I thought about getting around this by co-hosting in some fashion but they seem to want someone to do everything like manage the listings, tenant screening, security deposits, rent payments, maintenance requests and other tenant communications, and cleanings.