What does this really say. see image below. 

some  answers below 1.

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Amazing the difference in insurance rates in St Cloud, I have older duplexes in MPLS in the name of an LLC and I can't get insurance below $1800. 

Not sure why I'd want to charge below market rates.

There are plenty that advertise a fix-n-flip line of credit, but these are not true LOCs, but more likeAlthough it is unlikely for HML to do HELOC since that H stands for Home, there are those who will do LOC on investment properties; link below shows just one such HML:https://www.biggerpockets.com/forums/517/topics/55...

We've been investing in rental properties around the country for several years, it has gone pretty well, I'm sure I made mistakes along the way, but below is our story. 

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*DOM Below 60 days*Purchase price up to $150k*ARV's within $200k and below $300k* Repairs needed at or about low to mid level"MY question is, what does this buyer mean by stating "Repairs needed at or about low to mid level".

As for DTI, with only 1 house it's hard to have a DTI that's too high, as long as you're below 35% you should be fine, if you get near that then you'll need a mortgage broker to break out the complicated software that give you a real DTI number which is more complicated than debt payment/paycheck.