I'm a investor, flipper and property management company owner who specializes in central CT.  

They always make sure to have line(s) of credit to get them through challenging periods.

I special purpose equipment setup. 

The trashing of his credit threatened his job.

I'd estimate your cash flow after you pay the loan payment would be $600-$800, which a lender that understands investment real estate should give you some credit for on your DTI.As for a bank, I have a specific lender at NBI that I would recommend.

Another work around that isn’t discussed much is working on a strategy with your insurance company to protect your other assets in the event of a claim.But also, it wouldn’t be a bad idea to consider getting the financing into your LLc name with a community bank and pulling cash out if you have substantial equity.Right now, since the loan is in your name, it shows up on your personal credit report.  

Will bank credit still be around (at what terms)?

There are many ways to attempt to collect your loss:  file a small claims complaint against them; get a judgement so you can garnish future wages/bank accounts - and the judgement will be recorded in the credit bureau. 

They don't ask for any documents just do a credit check and you fill out their application.

I racked up debt, at times putting expenses like property taxes on a line of credit.