Seems sketchy, have to take into account the low credit score. 

Few things I notice when having credit discussions with clients...1) Try not have have max utilization of a charge card / credit card / etc. be over 30%.

I set the Credit Score as 650+ negotiable in Zillow and I had two immediate applications with very bad scores. 

When it comes to pulling credit and background checks, TransUnion SmartMove is a solid option for independent landlords—it’s easy to use, FCRA-compliant, and the applicant pays the fee directly.

The bank letter of credit guarantees the bank will pay the amount of money required.

I am currently looking into applying for a credit card in hopes of liquidating the credit limit via bank transfer, and I am curious if anyone has experience doing that.Main concerns:1) How badly does it ding personal credit?

I'm in the Houston market. SFR rentals have gotten increasingly more difficult to buy and have them cashflow. Rates are UP.Insurance is UP.Taxes are UP.Values... we are seeing some price drops but it isn't enough to m...

HELOC's by the very nature are tough to service with future advances taken.

Financing will be very tough and expensive around this range, so keep that in mind. 

A few things to note: Most conventional or bank financing for mixed-use requires closer to 20–25% down, especially on buildings with commercial space.Hitting 10% down is tough, but there may be creative ways to structure it for example, a bridge or rehab loan that funds a portion of the construction, or bringing in a preferred equity partner to effectively reduce your cash in.Bridge / Rehab Loan (Interest-Only, 12–24 months): Could cover purchase + rehab and get you to stabilized ARV of ~$700K, then you’d refinance into permanent debt.DSCR or Bank Loan (Permanent): Once stabilized, you could refi at 70–75% LTV.