You could attempt to cut out/ scrape the calk with a knife or flat bar.

If you can't get a HELOC, do you have any credit cards that have a decently high limit?

For funding your rehab project you could do some or all of the following: use your personal cash reserves, cash out from a refinance, equity access from a HELOC, construction loans (probably not enough value there for a lender), personal lines of credit, credit cards, money from retirement investment accounts, private money, hard money, or if your lucky maybe your PM company will flip the bill and you just pay them back from rent checks.

I have a rule: I put 10 business cards in my pocket every morning and I don't go home until they're all gone.

Now I'm trying to decide between Cozy and Zillow.Here is my comparison from what I see.ApplicationsZillow application fee is $29 vs $39.99 at CozyZillow application fee is good for 30 days for tenants to apply to other properties.Both use Experian and CheckrBoth allow tenants to add co-applicants.Cozy application has a few extra questions, like Drug conviction.Cozy allows references.PaymentsBoth accept ACH and Credit Card (with a fee to tenants). 

Credit card debt racked up a bit and now we have a mortgage and wonderful school loans to top that off.

Depending on demand I can adjust the price of the room and I usually make about 750-950 a month off a room.Based off my current model I am now thinking it will be smarter to apply the same strategy to entire condos in Atlanta and rent them for about $105 a night.Benefits - million dollar liability insurance , short term (can check on property) , debit card and gov id on file, payment with 24 hours.What do you guys think?

Long story short, we paid her to leave and that took card of the matter. 

Another idea is to buy the tenant a gift card to one of the local restaurants that have recently opened so she can enjoy a nice dinner while you conduct an open house style showing.  

I’ve heard about people selling credit (card) tradelines a couple of times, most recently on Countdown to FI podcast with The Millionaire Educator (I believe it’s episode 54).