She has a charge off that expirian will not delete everywhere else deleted it so that blocked her from getting a heloc no 401k my dti is high because we used my cards What would u do in this situation?

A HELOC is certainly an option if you could pay it off rather quickly or else you'll end up paying a whole lot in interest layer one. 

A HELOC could help temporarily if you plan to payoff the balance quickly and are planning to save on monthly payments in the short term.  

Instead, consider a HELOC or home equity loan to fund repairs, as the interest may be deductible if used for home improvements.This post does not create a CPA-Client relationship.

Owner financing and HELOC on personal residence How did you add value to the deal?

The other way I fund deals with none of my own money is using a private lender that I have years of experience and relationship with and/or using HELOC and other business lines of credit.

Another possibility could be a home equity line of credit (HELOC), if you have sufficient equity in another propertyGood luck with your project!

Hello All, I'm looking to do some work on my rental property to add an attached ADU. I'm looking to finance the project long term in a way that is helps me create positive cashflow. I expect that means it needs to be ...

If you have a great rate, I would not be looking to refi, maybe a HELOC instead. 

Is any bank offering a HELOC based on the combined equity?