WE dont pay a fee for the credit line as I mentioned just 1/2 point for each new loan..

As a new realtor (and student) you probably make below 80% median income which might help you qualify.I work with Finger Lakes Federal Credit Union (for my primary) and Lyons National Bank (for my investments), both will probably be able to help you navigating downpayment assistance and your situation. 

For example, there are many local credit unions that offer loans with as little as 5% down on multiple investment properties with no PMI.

New construction, fully decked out on the design and amenities. purchase price 785K, 40K in seller credits, 120-140k gross rental projections What made you interested in investing in this type of deal?

We have no debt and good credit scores, do we have any options for making this work?

And a few from 0% interest for a year credit card loans too.

The property value must be a minimum of $250,000 USD, and the credit score requirement is at least 700 points, among other conditions.

But without the experience, knowledge and capital (actually CREDIT CAPACITY) I accumulated the prior 2 + years, this transaction would not have been possible.

Plus the challenge with mid term is you are generally on the hook for things like internet, utilities, etc.

Look at it more like a credit card.