Some lines they will say have been "cut" but they put in a disclaimer on all sales that they don't know if a line might be cut.

Not sure if these are all investment properties or if you're including a primary or second home, but my suggestion would be a cash out refi of an investment property to pay off your debt, and a line of credit on your primary to have available for reserves if needed.

Have the tenant pay for repairs and maintenance with future rent increases by using a line of credit.

Now, some of these answers will depend on what state that property is in, how much equity you have, and a couple of other factors...but you can certainly seek out other lenders about a Line of Credit on an investment property.  

So, if you ask for a "line of credit on an investment property" that should get you to the COMMERCIAL division.

Hi Guenevere-You have $23K liquid and wonder if that is enough to start investing in OH with section 8 rentals and you are a full time property manager out of State.I would recommend having twice your downpayment in cash or equivalents, like a line of credit, for repairs and unforeseen expenses as a minimum.You want to have as much reserves as possible and agree with your focus on Section 8.To Your Success!

But yeah, definitely not as fine a line as your rent goes lower and tenancies harder.

Their promise to package your properties into a commercial loan after reaching 5 properties could free up your DTI and provide a line of credit for scaling.Consider delaying aggressive HELOC repayment to preserve cash for new purchases, and explore portfolio loans or DSCR loans as alternatives.

If your rate is low on the 5 unit, I might consider the possibility of a line of credit for my equity instead of an entire new mortgage.  

It will also be more expensive than just looking into a line of credit with a local bank.