Not sure what could be applied well to this situation that is a win for both parties. 

I have one credit card with an APR of 22%.

No one In my Family has boughten a house so I have no mentor to go to.No car payment , some credit card debt and regular bills is my liabilities.

I suggest reading "How to Win Friends and Influence People," by Dale Carnegie.

I was going to get a couple of those secured credit cards and just let them sit to start recovering credit

@Christopher Petersen some people invest in RE with a house of cards approach and leverage everything as much as they possibly can. 

Correct me if i am wrong, A HELOC is like a credit card in the means that you only pay interest on what you use. you can access it over and over again and pay it off over and over again but you don't pay interest on anything more than what you pulled out. where the cash out refinance is a loan so if you don't invest every penny into something then you are paying interest on money you aren't using.

Of course you would have to "sell" the big guys and lead them to believe that you are fully committed and in it to win it, despite the fact that you have another vision. 

I know 3 X times monthly income is needed to rent a place , between my pension and 457 b withdrawals , I will meet income requirements, credit scores are good for both, credit card is high but I am managing it with no problem, tenant record is excellent (never late on rent payment on my life), after this brief summary, these are my questions/concerns:-How landlord/rental property feel about this situation when there is no W-2 income to present?

My credit is rather good (high 700s, a lot of credit cards that I pay off every month, but no large auto/home loan history), and hers is low 700s (long term, but no recent loans/credit cards).