Mostly from a home equity line of credit.

It is debt you are obligating yourself to and lenders and the federal government think of it that way.Missing a payment doesn't mess up your credit, but it does mess up your day when you get sued or prosecuted. 

There are special tools available just for Pro members.

@Jacob HavlovickBigger Pockets is a great place to find a real estate tax accountant.A good real estate accountant can save you thousands of dollars by leveraging entity selection and formation, tax deductions, cost segregations, bonus depreciation and tax planning.I recommend finding an accountant who specializes in real estate taxation, business taxation, financial planning and tax planning.You may want to consider working with your accountant remotely to expand your options.I would also recommend looking for a accountant willing to work with you throughout the year.

@Andrew Self there are attornies you can hire to resolve your credit issues.

I specialize in these areas, and own a sober living home myself, it is doing really well! 

Ivan, I'm in Tampa too and I'm a lender with formal commercial credit background from two of the largest lenders in the world and 34 years of lending experience.

Monty, take a small amount of time to work on your credit daily.

It is a special policy.

All you an do is tell them.I do ask about the service animal but it is things like, do you need any special stuff to help you make them happy?