How to go about getting a personal line of credit?

[Oscar Miguel]

Hello everyone, I hope everyone is safe and in a good mental space; given the circumstances.

I've been working to be as ready as I could be in the event of a downturn. I've done a few REI projects and am currently working on permits for an ADU at my current house-hack. Once permitting is complete, I will need to either use my cash reserves to build or hopefully I have a personal line of credit established so I don't have to use my reserves. Hopefully, upon completion, I can refinance a cash-out or convert the used portion of the line into a term loan.

I can't get through to my bank, what other ways have you all used to get a line of credit?

Thanks and be safe!