Combining conventional <80% mortgage w\ secured credit li

[Nrbq Nkotb]

Hello all.
This is my first "real" post outside of the "I am a newbie" forum.

THE BACKGROUND:
I have very limited capital, in the form of stocks, about $15k depending on the day. Cashing out isn't an option due to the low cost basis (gifted to me, purchased in the 1940s) ...

I want to start investing in lower-income rental properties (ie. less than 150k) I have an entry level job in accounting, which i just landed, as i just moved to town. Thus, my current job history isn't so hot, nor my income. However my credit score is through the roof at greater than 800, and i have previous 2 year history in accounting. I've been told that this qualifies me for a better convenional loan. Hopefully between 60-130K.

THE QUESTION:
I know conventional lending won't go over 80% right now. I've been told if i declare it as an investment, particularly with multi-unit, i will be forced to put 20% down.

1. are ANY conventional lenders going lower than 20% for said deal?
and can you negotiate higher rate for lower down?

2. What i REALLY want to know about are SECURED LINES OF CREDIT.
Namely:

a. can you secure a line of credit (say 25-50k) with "cash" up front?
i'm actually thinking about writing a check for 5k which would realy be a margin loan off my CAP account to cover this. If not, i guess i would have to cash out, take a helluva hit and fork over all my stock in the form of cash to cover this SLC.

That is, assuming you CAN pay for a secured line of credit up front ... i'm not sure about these, seems they usualy go off of income streams from existing businesses, and seems a lot wont lend on "real estate business"

... anyone have any familiarity with this?
Can i get a secured line of credit between 25-50K with between 5-10k in cash as the collateral (can i get more? anyone?)

and CAN I USE IT IN CONJUNCTION WITH A CONVENTIONAL LOAN?
Will the mortgage company freak when they run my credit and see this outstanding line of credit?

Assuming it can be done, can i make a check for the remaining % of loan and closing with the credit line?

I desperately want to jump in, but need some additional leverage.

???
THANK YOU KINDLY!