im stuck on 3rd R of BRRRR.i bought triplex financed my downpayment and used total $45k to fix up now cant afford to refi cash out to repeat cause need 2-3 months of reserves ie $3500-4500 in personal not dba account. i only have dba and i spent it on fixing 3 unit and rehabbing my new personal residence. both have equity but no one wants do Heloc with me credit is 700. owe $79k on triplex ARV is eta $225k based on noi , gross rents $2995 net monthly is $1850, moved into 3 unit for 5 months while fixing then tried refi while living onsite but needed 1140 rent to meet debt 2 income ratio to buy primary residence and b4 moved out i  tried refi via VA but  told need make 6 payments first. so i hunt for portfolio lenders...no luck yet tried 4 in Maine. once moved out tried refi triolex conventionally with veterans unlimited, and quicken loans. both failed me on dumb minutiae wasted 3 months.now spent all my original financed money to fix up triplex and rest money to buy, move and rehabb my primary and now have no reserves. im living off my rent incomes. cant save up need buy 6-8 unit need 25% down plus rehab costs.sitting on 3 acre river front 1500 sqft camp with 2 barns 35ft from river that needs rehabbing but owe $52k ARV is $190k. holding is $550 month, needs $50k rehabb any lenders offer no reserves and 100% besides VA and no seasoning?

@Jeremy Resmer  Smaller banks or credit unions in your area - you just have to keep calling. 

Before he contacts one, though, he should write down what his desired and most optimum outcome would be; what answers he’s willing to pay for:1) how do I get this property off my back/my name and credit? 

@Adam Kadane shouldn't be an issue as long as you have the credit and income necessary for a loan.

You will see a lot of people on BP making terrible financial decisions and other people patting them on the back for it. 

I don't have much saved up (6k) and I have good credit (700+) with minimal/manageable debt.

In Northern Indiana (Nisource), it used to be 20+ years ago (and I assume its still the case)  you would have to put a deposit down to cover the gas and electric distribution services, and you could get some credit back based on houses going into service with some assumed usage patterns.City run utilities and REMC's would have drastically different practices. 

Terrible idea setting up a STR in a HOA property.

I'm curious as to how an 18-year-old managed to pass your screening since they likely have zero credit and zero Landlord reference.

My credit score is 808.