Do you need all this for a couple of rentals?

When someone else is on ownership (or deed/title) then they would need to sign a couple of things at closing to give permission for a lien to be applied to the property they own - but that doesn't mean that HAVE to be on the loan. 

., @Jay Hinrichs and @V.G Jason have done an excellent job of laying out a flaw in your thinking, and I will take it a couple of points further.1.

Now, some of these answers will depend on what state that property is in, how much equity you have, and a couple of other factors...but you can certainly seek out other lenders about a Line of Credit on an investment property.  

You should call a couple local banks to discuss the types of investments you may be looking for.Alternatively, a great strategy for someone just starting out is House Hacking.

This is helpful and I'll need to do more research into a couple more firms to reduce the costs.

Hey Samantha,There are a couple of things to keep in mind:1.

I did shoot you a DM of a couple I think could help you that isn't listed above.

One of the most important skills you didn't mention is networking, which you are obviously doing well at too.I'd recommend connecting 1:1 (zoom, coffee. lunch, etc.) with a couple from the BP Chicago community or better yet check out some of the local meetups: https://www.biggerpockets.com/forums/521-real-estate-events-...Make friends with the meetup hosts...they will often know whos who and can help you make the right connections.Regarding your license, I think it's a great idea if you have the time and are going at it with the right intentions. 

I've only owned a couple sfh am middle-aged and not sure I agree with flipping sfh at this point to create wealth, time freedom and passive income so I have been reading and there seems to be a lot of talk with multi-families and more specifically apartment investing.