If i can invest it and make a significant better return after tax than paying it down I would do that but in this instance you will never be able to achieve returns that match credit card debt.

When a husband and wife jointly own a residence, and the husband takes out a Home Equity Line of Credit (HELOC) in his name only, the spouse's involvement and liability can vary based on several factors, including state laws and the lender's requirements.1.

CA taxes residents on worldwide income but may provide a credit for taxes paid to other states.

Second, try to ask for "LINES OF CREDIT" instead of HELOCs.

Yes, actively asking for investments on July 18th and revealing suspension of payments on July 20 seems a bit odd and poorly done. 

Quote from @Jeff Chisum: If a DSCR originator (keep in mind you don’t need a mortgage license to originate) tells you the loan will not be reported on your personal credit but require you to be a personal guarantor your next request should be; “I want to see in writing it will not be reported on my personal credit”.  

You’re generally working with tenants who, by definition, have lower income and often less favorable credit.

There are lenders out there that will lend up to 50% of the AV with no minimum credit score requirements. 

Apparently they handle all property repairs and maintenance independently and have maintained a perfect payment history, even throughout the pandemic.Lease Option Agreement:Effective Date: November 1, 2022Terms:Purchase Price: $165,000Non-Refundable Down Payment: $10,000Lease Term: 3 years (ends October 31, 2025)Final Payment: $158,000 balance due upon term completionMonthly Payment: $1,150 (no rent credits)I didn't see this to be a deal because if in a the best case scenario my $25000 would walk away with 2400 which is about a 9% ROI.

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.