Real estate investors do not get lines of credit from a bank.

I usually work with my local credit union where I have developed a relationship over the years.

I have a few commercial loans that don't report to my personal credit. 

I quit my job 2022, live off rental income and we house hack a large 3 level house with rents totally covering mortgage.She has excellent credit and six figure yearly income.

Water, trash, internet, and fire wood make up the rest of the utility allocation.  

Speak to everyone.You might investigate a wholesale line of credit if you are doing enough volume.

Demand for February/March move-ins should see a notable uptick sometime in January, but you'll for sure see your strongest rental demand in late spring/summer.Your most recent post mentioned that you were going to look for someone for a 6-month lease - I think this is a great way to approach it to minimize vacancy loss while biding your time until we get into the higher demand summer months.Getting creative with your lease term and credits/concessions could also be a good way to solve a few potential problems in one shot. 

Double taxation would be when you have to pay US income tax and then also Canada income tax and you don't receive a credit for your US income taxes.

What's your credit score looking like?

I would give Prime Tracers a shot, they are pay as you go and you also get 100 free credits on sign up to try them out.