I've also been directly in touch with a "fronter" in their Ontario, CA office who described the pressure-cooker type of environment, revolving door and nonstop lying. 

@Lorraine Hadden Keep paying your bills and mortgages on time and maintain a low amount of debt that is carried from month to month on your revolving types of credit accounts like credit cards.

U start going into markets like that and you will fail big time as you will have a revolving door of defaults and you will find it quite hard to get 10k down.

I recently bought a primary residence all cash and would like to put a HELOC on the property to use as a revolving line of credit for various real estate projects I am working on.

If you want to do some flips or BRRRRs then you could consider taking out a Line of Credit against the three properties so you can use the cash with interest only payments for a short term project and then pay it back and then use it again (Lines of Credit are revolving - meaning you get to keep using the money).

I carry a very small, very light 8 shot 22 caliber revolver everywhere that's legal.

I have crazy high DTI (like 80 to 1) but large reserves, crazy high credit scores, and fairly small revolving credit card balances ($20k to $30k but paid off each month). 

Our underlying debt is at 4% on a 30 day revolving line of credit.  

Revolving credit is the worst kind you can have on your credit report.  

Our debt was based in a 30 day revolving line of credit.