This is the time to build your credit worthiness.

That's something that a nearly qualified buyer can work on their credit worthiness as a way to get better financing and work their way out of.

RevolutionCredit offers online courses and tests consumer’s financial knowledge to satisfy lenders that potential borrowers are creditworthy.

If you stay in journalism, that may help with creditworthiness by staying in the same field. 

I repeated what I said before, that we were looking for quality and credit worthy tenants of any type who would take care of the apartment very well.

Most people that want to assume a loan are not creditworthy or have the income.Joe Gore

People are just people, race does not = income or credit worthiness.

If you have an immediate plan to build or develop it (and if you have the creditworthiness to justify a loan), you'll probably be fine.On the other hand, if you don't have a plan (i.e. - if you'll just be sitting on it) and won't be earning any additional income as a result of your investment, you'd better have a lot of personal wherewithal (personal liquidity, outside income, rich guarantors/co-obligors) to back up your decision and give the bank some comfort.Land speculation isn't really what a bank is in business for, so if you want them to give you the funds to buy some vacant land, you'll have to give them some solid reasons to help you out.

Depending on creditworthiness and equity in your current properties Some of the rates for HELOCs I've seen are as low as 3%. 

Ya out our way those loans are only made to the top performers and credit worthy and experienced.. someone new would stand zero chance.