I'm working on building my down payment including repairs fund and have a good credit score above 750.I’m interested in buying a property near Kansas City, in markets like Topeka or Springfield, IL, but I’m open to other cities in the Midwest.

Hi, does anyone know who offers all in one/first lien HELOC in Nevada with credit scores around 680? 

Quote from @Josh Hollman: Equity loans or lines of credit are just another means of borrowing.

Are you trying to build up credit for the LLC so it can borrow directly without your DTI and use only the LLCs?

This may be a soft pull on your credit, but it's worth it (in my opinion) to determine that question. 

Here are a few points to consider:Equity Access: If you have significant equity, you can tap into it through a cash-out refinance or a HELOC (Home Equity Line of Credit).

Local laws may also include protections based on other factors such as source of income or eviction history.Disclosure Requirements: If you are using third-party screening services like SmartMove or another credit reporting agency, you must provide the applicant with an "adverse action" notice if you deny them based on the results.

The credit score is around 720, and the property is owner-occupied, which might simplify the process.

That also happened while we were in the middle of a deep recession and credit crunch, unlike today.

Any advice for someone looking to get into real estate with zero credit?