I've heard more lenders having issues lately with this "dual layer", even though the standard family trust and its individual settlors are usually the same for liability, credit, and tax purposes. 

Do I understand the interest rates and terms for the home equity line of credit?

HELOCs are very much a short term product, because the interest rates can go up precipitously, they have been called due in past credit crisis situations.  

I use KeyCheck, a FF affiliate, for background checks, lease agreements (available for all 50 states) and electronic signing, and payment processing including credit/debit card payments.

I will be asking them to credit me back any fees they took for themselves out of the security deposit - well see where we land.

In terms of financing, one thing that might be worth exploring is connecting with local banks or credit unions that are more familiar with the market in Ohio-they often offer more flexible terms compared to larger national lenders.PS: Here’s an interesting tidbit-Ohio has one of the lowest property tax rates in the country, making it even more attractive for real estate investors.

When you go for the top dollar on a rental listing usually get the people who are rejected from the good leases because of credit and other issues

Verifying last 2 years of rental history very important!

I have spoken to several local banks and credit unions and none have any properties where they are in default.

People do care about track history but if you have a detailed plan on selling they will like that more.