HELOC ? Credit Cards? FICO 2nd Rental Property - NEED ADVICE

[Ryan K.]

I'm looking to buy my 2nd rental property, but have some financial questions.

1. I own my own home and can take about $13,500 for a HELOC to use as a down payment.

Q - If I do this, and then try to get a bank mortgage (from a different bank), are they going to see the HELOC and get scared from giving me a loan? (eg. too much debt).

2. I have one credit card with an APR of 22%. I've got a 4K line. Through my credit union, I can apply for a 9.9 fixed credit card.

Q - If I apply for the lower rate card, should I keep the high interest card I have or close it? What would look better on a credit score?

3. I own one triplex, and own my home. 

Q - Is getting a HELOC fo fund most of the down payment on a 2nd rental property a good idea? or a foolish one?

Anyone who can offer advice is greatly appreciated for this newbie!!