Is a HELOC possible for a person with credit issues?

[Shawn L.]

I've read that a score of at least 620 is desirable, sadly mine is slightly less than that. I also don't have strong income at the moment. So you're probably thinking why am I even posing this question. What I'm hoping will work in my favor is that the only debt I have is a car payment. Also the home I want the HELOC for has no mortgage. I looking to find a buyer in a owner financed arrangement and I hope that the income from the payments will secure the loan.

If a HELOC is not possible are there any other options for someone in my position? Thanks for any comments or suggestions.