Maybe get your debt paid down, get your first deal, get some savings built up, then reconsider the potential change. 

Quote from @Dee R White: I'm out of debt, don't really plan on using my card much except for emergencies but the recovering spendthrift and the riskier investor sides of me - are curious if I should call the company back and ask for them to raise it back as it might affect my credit score. 

With a DSCR (Debt Service Coverage Ratio) loan, you can tap into your equity and still retain the cash flow since it's based on the property's rental income rather than personal income.

When we did it, we did score some great deals, but what we found was that we were visiting so many properties to understand our "strike price" (the maximimum we would pay for the property when taking into account rehab costs, hold times, interest on any debt, closing costs, real estate commissions, a contingency reserve for "unexpecteds", etc) that the math started to not make as much sense.

Doing a conventional loan for each property is out of the question due to my debt-to-income ratio. 

He seems to lump all debt together.

Just focusing on reducing debt , I tutor chemistry which has been helping with finances.

Remember you are using debt to make this investment, not reserves  sitting in your bank account so I recommend a more conservative investment approach. 

Generally ive offered equity or debt on deals but never on the operations.

In college, work on the basics - get good grades, don’t get into debt, build your credit, etc.