I need to turn the electricity on to renovate it, but all of the electric companies I see online have 1+-year contracts.

I’ve had success in larger markets and smaller markets all over the US however this was because of efficient operations AND being proactive in finding companies to rent to (I employ the B2B model). 

Does anyone recommend a deposit alternative insurance company?

Ruth,Great thing about commercial is we at the bank do not look at the commercial loan because it does not populate to your credit report.

I've done a bunch of research on this company, and found at least one case where they DID NOT scrub data they sold against the Fed DNC list (Do not call list). 

Hello everyone! I just got my first rental property and need funds to fix it up. I need a HELOC so that I only use when I need it. 

If the tenant reports to the city that the space isn't properly vented/heated/cooled or the right color (just joking on that one) you will probably end up with a visit from an inspector.Thank you for the helpful reply!

I was told that I need to not report loss on my 2019 taxes so that would fix my DTI (from 2018 rental loss)Is this my only option, do I have to wait until January 2020 to get another mortgage?

You could turn the matter over to a collection company (including law firms that do collections on contingency), but normally, they charge a very high percentage of what they recover, and you normally have to authorize them to settle for any amount the want to.

And not every company wants to pay to be on BP.