That was a prime investing market, so your experience won't be the same today, but you can definitely improve your station in life within 5-10 years.

A general credit line, on the other hand, could be secured by other assets or unsecured, and doesn't necessarily involve your home equity.HELOC Characteristics: - Uses your home as collateral - Usually has a lower interest rate than unsecured credit lines - Typically has a variable interest rate - Allows you to borrow up to a certain limit, repay, and borrow again during the draw period - Can be used for various purposes, including home improvements, debt consolidation, or as an emergency fund While it's possible to use a HELOC for RE investing or rehab projects, some lenders may be hesitant about this use.

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It's going to be your thin credit profile / lack of seasoned trade lines.

With IB off, we are still at 75% occupancy, so I guess there is room for 25% improvement.  

Their behavior is not likely to improve.  

Maybe Intuit's newest version is improved, but speaking to a tech in India or Phillipines when I had a question and waiting on hold was a horrible experience.  

My experience on the forums is that everyone who touts a one-sized-fits-all system is (when you look at their profile) a paid teacher, coach, guru, etc.

Looking to access equity for improvements to a rental in San Antonio 

If you use FB marketplace now you can add a second profile.