@Jason DiClemente I think you're being too generous about  them not caring about personal DTI. as a first multi and not much history, personal financials will be an important factor)-credit score doesn't get whacked too bad after your credit utilization goes way up-have 6 months of reserves, and maybe more -property is profitable to support both debt servicesthen you can probably knock this out.

Mostly everything can be found on the internet and I think most ppl understand that by now. 

You have found one of the most valuable free resources on the internet for real estate investors new and old.

Try Alliant or Aspire Credit Union .

Have you tried asking your HELOC bank to increase your credit limit on it?

Utilities, internet, TV3.

Call the town office and ask them if they will take your credit card over the phone.

Having a down payment money is great but what is your credit like and what is your mortgage payment ability, what is your debt to income ratio?

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