what can i do

[Taz McDole]

Members looking for some help. I own my house free and clear want to use it to buy rentals and flips. I cant get banks to lend on it. A little background i lost my job in 2009 and have 3 derogatory marks on credit because of it. Credit is perfect since then but only have score around 640s. my income is about 60k and have worked for same co for 5 years. i do have student loan 2 cars and some credit cards on history now. Cards are at 75%usage. i am meeting with banker any suggestions will be welcomed   Thank u