From an internet search"Unrelated Debt-Financed Income (UDFI) is a tax that applies to an IRA when it uses debt"

Local banks and smaller credit unions are most aggressive in this space.

I’ve bought some houses with 0% interest for a year credit cards and a few with consumer lines of credit from banks.

Most of our newer investors approach 2-3 lenders to discuss loan options.Some lenders recommend making your financing inquiries within a 45-day time period to avoid larger drops in your credit scores.All the best!

I also can take out a home equity line of credit on my current home....but I need direction. 

I own the property free and clear and i use the equity as part of my business line of credit.

It covers internet, water, trash, cable, and exterior (roof, siding, etc.).

Was it through internet search/referral/ other channels? 

I think investing from Internet is pretty tough right now. 

Then what happens is the lender reports your payment history to the credit bureaus and each time hereafter if you ask for another loan and the lender pulls your credit then they are going to see your payment history and whether you made your loan payments or not which will likely influence whether or not they lend you money.