I plan to buy a house in the next year or so and use a home equity line of credit and loans in the future, but for now, am really just looking to work with somebody in the Nashville area.

Did you check the credit for the applicants?

I reached out to local banks and credit unions for a HELOC to finance another purchase and was told I can only get 65% LTV. 

Before exploring it, it's important to note ARV is a construct used more with asset-based lenders than with more traditional, credit-based lenders, where LTV or loan-to-value is one that is more prevalent. 

@Rashaniqua Cason, You can either refinance your property or do a home equity line of credit (HELOC) on it.

Hi, definitely have a rental agreement as well as a background/credit check (many apartment associations provide both which is great).

Try a local bank or credit union. 

(not counting our Home Depot credit that is temporary and will be paid off in a few months).

You need long term debt to make the property cash flow. a HELOC is more like a credit card, it's a revolving debt.

The buyer made it clear she wanted to refinance it in a year once she improved some credit and could acquire an FHA, which I was fine with.