High line amount personal lines of credit?

[Gonzalo Escobar]

I am looking to lower my utilization as a way to give my credit score a big boost. I decided to replace a 30yr mortgage at 5% on my 4-flat with a HELOC at 3%. Unfortunately though while i am saving a ton in interest it will in short kill my utilization. I have 2 credit cards at 24k, one at 15k, one at 16k, and one at 10k. I just don't get the sense that credit card companies are going to give me the lines anywhere close to the amounts i would need to absorb the very large HELOC i've openen and drawn on.

I was thinking another route might be to try to get personal lines of credit from banks, hopefully i can get upwards of 50k. Does anyone have any advice on this front?

I have a roughly 30 day window of opportunity where i've been raising funds to buy a 470k property in cash. So i have 210k undrawn HELOC and over 200k in bank assets. After i buy the building though my liquid assets will drop to <50k and i will have the 210k line fully drawn. Hoping to figure something out while I still look good on paper.