Her Mom is attempting to take out a home equity loan on this property to consolidate credit card debt.

A cash out refinance is over a 30 year, lower rate and not viewed as a "credit card" aka debt risk.

Either begin by paying your cell phone bill or having your parents put you as an approved person on one of their credit cards if they have good credit.

Do not charge up any credit cards you have, take out new ones and do not buy a car, or finance anything else new until after the closing. 

Then your getting 0% interest on the cards they get for you, which some come with rewards and points!

The force you to come up w business name on the spot to do business cards and reserve website url for a website they host, for a url they own - if you leave, they own those digital assets.

I am at the point where I am going to call my credit card and file a claim. 

I utilized (and maxed out) my credit cards to afford the materials necessary to renovate the apartments (I know bad move) therefore I cannot acquire a loan of any sort to fund the initial funds necessary to acquire a hard money or DSCR or rehab loan.

Put your cards on the table after the initial review rather than tie up and waste an investor's time. 

Grocery stores would be empty within 48 hours unable to order from their JIT supply, credit cards not working, not sure if we could maintain the electric grid, cell phone system gone - who still has a landline?