Look at the credit report, there is probably a LOT more going on!

Poor creditYou can overcome the experience side but one of the other two are deal killers - as a lender if a borrower has poor credit that shows they are not great at paying bills so taking on more debt than they ever have is probably not a good idea.

Using a tiered deposit system based on credit score can be risky legally if it's not applied uniformly.

Cashout refi's are tough to execute with poor credit, and there is no guarantee that paying off old trades with bad history will improve your score. 

Imagine if credit bureaus could enable collection of information regarding cash for keys agreements You're absolutely right—landlords often rely on eviction records to assess tenant risk, but that only captures part of the picture.

In the industry, we referred to them as "margin lines" where you are leveraging the value of your securities portfolio to provide access to line of credit fundings.While banks can differ in their "margins", but the banks I've worked with used a 50% LTV "margin".

Even though the original party may no longer be responsible for the debt per court order, their credit is still on the line, and nonperformance on the trade in question will wreck the original borrower's credit.

But as said hard money lenders look at the deal 1st, your experience second and your credit 3rd.  

I know they have some energy efficient tax credits for homeowners. 

I’d just finished Rich Dad Poor Dad and set myself a 90-day goal to buy cash-flowing real estate.