Financial road block

[Kiley Boss]

I have been trying to get started on investing for about 6 months now. I have read my books and done my studies. But I am at a road block financially. Quick history, I am a dentist but currently not working. I have 4 amazing kids that I have chosen to stay home with right now. From my dental schooling, we are hundreds of thousands of dollars in debt. My husband is currently in dental school right now. He is scholarshiped with the army so we have a very small stipend. About $2200 per month. We home our home free and clear so we wanted to take out a HELOC. Our debt to income ratio is not appealing to any lenders. I have applied multiple times with multiple lenders and continue to get denied. I could possibly have my brother co-borrow with me but would like to not get tangled in that. Any advice on other financial options???? I'm hesitant to borrow money, or hard money loan, or something like that because this is my first house and I'm not sure everything will go smooth😊