Loan on owned property for structural repairs with 620 score?

[Crystal Davidson]

My score is low (despite perfect payment history) as I am overleveraged - having multiple properties in my own name rather than an LLC. My plan was to use a house that I own outright (valued ~$250k at that time) to payoff what was supposed to be short term use of funds to fix up another house, and then start moving my properties into my LLC. While doing that, a *car* hit the house that was worth $250k. Now, I need about $50k in repairs to get it back to livable again and I haven't been able to find a mortgage product anywhere with this credit score and a property that anyone driving up will see is damaged. It's a catch 22 - I can't improve my score because of debt and I can't pay the debt because all of my money is locked in this property!

Obviously, I could sell this or another property, but I don't want to do that.   

Any ideas??