Piling on...all occupants who are 18 or older (or legal emancipated minor) should absolutely be required to make application. 

Hi Thu, I have not purchased any properties that require permitting yet.

My issues with RentRedi have not risen to the level requiring immediate action. 

I wanted to get back in the game again but don’t have much in reserves that most if not all HML require.

More often than not they fess up and kind of confirm they don't meet requirements if that is the case.  

You'll need more capital and most will require a personal guarantee and personal financial backing. 

What % is typically required these days? 

Just make sure you set up a LLC to rack up the required experience.

I wouldn’t worry about the higher dp because any investment property is going to require 20% down , like a DSCR  Let me know how that turns out!

Reason is a Heloc generally carries a higher rate on a shorter term and "Can Never" be used as an "Asset, or for PITI reserves" which are both required when you buy an investment property.