I’ve used her for a wide range of things over the last 8 years.

This is incredibly market specific.

@Dean B. part of the problem here is that with all of the fire rebuilding the GCs are incredibly busy, and the trades are even busier.

We are not certain that there will need to be a lot of repairs, but are being incredibly conservative in budgeting for them.

I would be incredibly grateful for help!!

Rentometer varies widely, but does give you an idea what has rented the past year and if you're asking rent is in range.

During the great recession of a decade ago, there were places where rents literally went to zero for some people as there simply were not tenants available at any price to fill their vacancies......and then there were other locations where rents went up huge amounts, because homeowners got foreclosed on and created way more tenants than normal.Agreed Russ  there were clusters in the GFC   PhX   ATL   FLA   Central CA  Vegas were particularly hit hard and many landlords lost their properties including apartments that were max leveraged.. what I don't agree with is there is going to be a mass foreclosures like 08 and all of a sudden past homeowners are flocking to rentals.reason I think this is literally million if not millions of homes have been sold in the last 10 years with those buying 5 to 10 years ago not only getting a very good price but they got incredible rates.. so their payments are FAR less than rent.. 

All of the other houses on the street have some kind of garage structure, and the lot is wide enough for one (38 feet).Any thoughts would be appreciated.

I am not predicting this by any means.. but I think the bank has pretty wide latitude to just say in their opinion the market your in is at risk and therefor we are freezing your LOC.. simple as that.

It starts with investing in people and where they live.Through the enormous resources that the real estate industry wields, we must focus our efforts on this noble pursuit of happiness; no other country in the world was founded on such an incredible idea.