HELP! Young & hungry investors have the deals but not the $$$!

[Lindsay Conway]

Hey guys!

Have a question. My husband and I are both 27 and have, technically, 3 rentals. One is a duplex, one is a SFH, and one is a piece of land. We own all outright. The duplex rents for $450/month plus utilities on the 1 side and $550/month plus utilities on the other. We paid $16,000 cash for it. Probably worth around 60k. We also have a single family home that we just got for $27,500 that we will rent for $900-$950/month plus utilities. Probably worth 90-110k. We also have 4 acres that we bought for $11,000 and are in the process of selling. It's probably worth 30k. We paid cash for that one also. So we own them both outright and have no debt. My dad owns our house, so we have no equity in our personal home, we just live there and probably will forever.

At this point, our funds are running low. We now have around 30k in savings, since we paid for the deals above in cash.

We recently went to a large bank (PNC) to get a HELOC to buy more homes, but they denied us, saying that we couldn't get one, since they were investment properties.

What to do?