I had belatedly realized that FHA goes off personal credit and therefore I couldn't use the LLC for it.

do not use a line of credit for a down payment. 

A lot of lenders used to apply 35% for expenses, but in the last several years, the numbers for supplies, labor, utilities, taxes, etc… have increased significantly.Also take into account the age, occupancy and how has the property been maintained, this will affect the expenses too

Got an equity line of credit and borrowed from it to pay cash for the property.

You end up having to sell to someone with higher down payments, better credit, better operating plan, and 100% investors who never want to pay top prices.  

Focus on rebuilding your credit, saving for a down payment, and learning the local market.

I did discuss with my accountant and he is unsure as he is not familiar with IRA rollover process. 

You'll need to have 10%  thru the sale account by 5pm the day of the win, and will have to pay the remainder within 15 days of the win.

Quote from @Zach Edelman: If you do a DSCR loan and vest it in an entity - you and your partner can both PG the note and it will report to neither of your credit reports, thus having no impact on your DTI! 

@Michael Klinger  As others posted, SoFi and Discover personal loans are good options and I've used them in the past.  2-3 business days from application to funds in my checking account.