Rather than refinancing, I would like to just open a revolving line of credit.

You then use your own money as a revolving line of credit.

That doesn't mean the service jobs they have been talking about and the excitement revolving around the minimum wage increase, eventually rising to $15.00 an hour some day.  

I was talking about a construction loan/working capital loan/line of credit/short term financing/revolver, call it whatever.    

As long as your payment history is clean this will support a higher score.Another factor in your consumer credit score is mix of credit: installment, revolving, secured, etc.

It covers DTI guidelines in detail , but makes no mention of available revolving credit.

I cam across a term called "Bird dogging" for REI's.

Hey Cam,When going after foreclosures you want to get a signed contract before the auction date. 

Short answer---it depends....and GOOD QUESTION.http://www.bankrate.com/finance/home-equity/heloc-...HOWEVER, I know of a few people that have a HELOC only on their property instead of a primary traditional mortgage and they don't seem to suffer from utilization issues.I've also heard that revolving lines above $50k in size do not affect credit scores in the same traditional way a credit card would....probably because such a large credit limit is probably a HELOC.I'm following this thread and if no one knows for sure I'll do some more research as I also want a definitive answer.

@Cam Coplin, thank you for the insight.