Reach out to local banks, take them to lunch and tell them your story.

Some banks and lenders will calculate your Heloc payment based on the Max limit even if you only have a small portion used due to preventive risk. 

I mean myself and any bank would need more details, but if you utilize that large sum as a downpayment and have a small mortgage, wouldn't you easily qualify for the debt to income?

This is a FREE service provided by the bank, and we have used this account for about 15 years or so. 

Local banks and smaller credit unions are most aggressive in this space.

Bank Credit Line How did you add value to the deal?

I think the LLC also makes it easier to open a local bank account, which is convenient to pay utilities or other local bills or your property manager, etc.  

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

You can put a mortgage into a "trust: without triggering a due on sale but again contacting your bank/lender is the best route to avoid any issues.Some banks/lenders or servicing companies change guidelines and even a trust may require other paperwork but the attorney usually facilitates that to be safe.  

If you have checkbook control you’ll have a bank account with a bank that has FDIC insurance up to $250k per account.