Many of these owners have properties in states that require a judicial foreclosure process, and the judiciary is very pro debtor.  

If I can make it worth your while I will.I've sent one to trustee's sale with a deceased debtor before.

I asked two different loan officers (one at a credit union and one for a conforming mortgage loan), and they both said that if you're not borrowing from the heloc, it doesn't increase your debt or your DTI ratio.  

While "loan purpose" can make a loan against a homestead the proceeds of which are used for a business purpose a commercial loan, I'd hate to argue the case in a "liberal" or debtor friendly court.Bill Gulley is as usual correct in his analysis; the bottom line is why take on the risk, hassle and potentially negative outcome.

I would think a lender would be more secure with an LLC as the debtor along with three guarantors rather than a single individual borrower.  

Not trying to be inflammatory, but I'd be very surprised if the HML industry survives the disruption that's beginning with the crowd funding sites.If you've got net worth, money to invest, and want to hold real estate debt (or equity), look at PatchOfLand or RealtyShares or any of the others.  

Yes, I listed this debts in the bankruptcy but I am assuming that this debt is from last years property taxes that I didnt pay before I filed bankruptcy BUT I thought that all debtors listed had to discharge my debt.

So, depends on what sort of assets and/or loans you are able to obtain.You might want to get more comfortable with the debt. 

Are your funds using agency debt or are their loans callable and /or expire after a few years?

The three other judgments that are not child support - those cannot attach to the property since they are dated after the mortgage was recorded; sheriff sale removes those as liens, but the debtor still owes on the judgments.