So my question I have is would it be possible for me to get a LOC (line of credit) with my local bank and then use it for down payments on my properties I want to invest in? 

@Tyler Hodgson  Just saw a loan recently with almost no fees, no down, and $4500 in closing cost credit, no MI. 

You are obviously an investor and you have left a footprint substantiatin that all over the internet (At least on this board you have) so, it wouldn't be difficult for someone to allege misrepresentation of intent.

If so, go to a bank or credit union to do a cash-out refi and draw all your cash out.

If I move my property to LLC will I lose my credit history since I paid off mortgage?

There must be a custodian who holds the property title, the rent should be issued to the custodian and they are responsible for crediting your inherited IRA account.

Unfortunately, last year I went through some pretty hard times that dragged me into credit card debt.

- Min Credit score some lenders have this These are just a few to get you started.

I believe it is a common theme that when a lender advertises 9-12%, 9% is for the highest qualified applicants and 12% is for the people who are just above the minimums to lend on (i.e. beginners with low credit).Usually, the lenders that go down below 10% are national hard-money lenders and will not allow the borrower to put less than 10% of the total cost into the property.

@Aaron KlattI think of buying, I will have to work on my credit.