I don't know if credit unions can ever do this stuff?

For context I am a full time lender and understand DTI and have very good credit. 

@Timothy Hero community banks and credit unions are the OG DSCR lenders.  

-After the second eviction, I specifically asked FPM to focus on tenants with better credit scores, even if it took longer to find someone.

Also, the transunion credit and background check is almost $50 per person.

He has since restored his credit (740) and has stable employment.

You’ll want to check with local credit unions or smaller banks since they often have more flexible HELOC options.

My main Partner is Chase because gives the biggest limits great when it comes to building a relationship and getting BLOCs and other things also would recommend local credit unions biggest thing you always need to figure is the banks Cap of what they are willing to lend until they need everything Chase for example is 150k Citizen Bank if in area a great one for Blocs only require bank statements to calculate how much you can qualify for.

Have you leveraged lines of credit, private lenders, portfolio loans, or other creative financing options? 

This is the max it seems most "A" lenders will loan too, I might get 50% from a credit union but that still probably not help in the short term.How do people keep going?