Also, would this loan help build my personal credit, or would it only report to business credit bureaus under my LLC?

What's the lowest credit score you will allow?

Assuming you go the HELOC route, another option to reduce your costs assuming you have decent credit is to look at credit card balance transfer promotions.Back in 2003-2004 I had HELOCs on my investment properties and interest rates were increasing.

Is the line of credit different from refinancing the home that is free and clear? 

Otherwise, talk to your bank or credit union.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

I used the background and credit checks offered through Cozy. 

Yes, property taxes are higher for investors but not terrible. 

If It is a wholesale DSCR lender that also does TRID loans, they might require a bit more paperwork, such as a VOM, mortgage statements for properties currently owned, and credit supplements on mortgages on your credit report.

I don't know if credit unions can ever do this stuff?