OK I have an investor wanting to JV on a multifamily portfolio (6 houses), he will provide half of the down payment and find a line of credit for me on the other half.

If you focus on those and are willing to take risks (risks are why real estate provide higher returns than the stock market), with the knowledge to back up your decision to take the risk, be ready to pull the trigger.Condos/Townhomes are great for hands off maintenance, but terrible as investments.

Your credit, experience and liquidity are the determining factors. 

I dont know if i should get a line of credit.

Maybe the falling stars represent her fall from grace and the second one Is her falling credit score

Credit histories are reviewed my mortgage lenders as one of the underwriting criteria in determining credit risk.creditorA person to whom money is owed.credit reportA report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness.credit repositoryAn organization that gathers, records, updates, and stores financial and public records information about the payment records of individuals who are being considered for credit.debtAn amount owed to another.deedThe legal document conveying title to a property.deed-in-lieuShort for "deed in lieu of foreclosure," this conveys title to the lender when the borrower is in default and wants to avoid foreclosure.

Do some shopping around and call credit unions in your area to see which are giving the best rates and who you get a good vibe from.

Almost every one of them was a terrible investment and now that I know the city intimately I would never have bought any of them.If you think you're the smartest person in your overall team you are already in trouble!

Without selling, I want to tap into some of it for investing purposes, but I've got the good old favorite DTI hurdle that's preventing me from more easily accessing it from a conventional lender (I checked with a credit union already).

I just started my business with my ein but it takes a bit to build business credit.