RTC stands for "Over the Counter" which itself means, liens that were not sold at the original lien auction and are available no on  a first come first served basis at face value. 

The original investment was a bond?

Depending on the lender and program your biggest hurdles might be credit score and income and time in job. 

I screen animals and then assign a score to determine how much to charge.

@Devon Shives What's the plan to help the mrs improve her credit score?

You just said the opposite of what you originally said.

For me A or B grade means that you can get a tenant with a 700 plus credit score with an income well above the minimum threshold. 

.• Reporting companies created/registered on or after December 3, 2024 and on or before December 23, 2024, have an additional 21 days from their original filing deadline to file their initial BOI reports FinCEN.• Reporting companies that qualify for disaster relief may have extended deadlines that fall beyond January 13, 2025.

I have scores of posts on BP regarding this issue and HUD. 

Meaning any of your Helocs can be closed or reduced at any point if any of your banks feel you are over leveraged, miss a payment, credit score drops, even by mistake it happens all the time.I would get rid of the Helocs and put some cash in your bank so you can use that versus a Heloc.