Neither have a mortgage, owned free and clear-No high credit card balances-Credit score - TransUnion as of 7/29/18 - is 796We haven't decided if we will sell the townhouse or keep it and rent it out.

I have great credit, but I would like to avoid shortterm debt costs.I realize that I would loose income by delaying the renovation, but it is often hard to find good tenants in winter anyway.

I paid - $2,226.54 in credit card processing fees. 

I’m starting to look at duplexes in my area as I work on fixing my credit score and I hope to get into something by the end of the year or beginning of next year.I look forward to being more active in these forums!

Do I need to have a certain credit score or income?

Anyone have a card that does more than 1 year extra as my Cap1 Business card does? 

I was originally planning to fix and flip until I got to listening to Brandon Turner, now i'm considering the BURRR method OR pulling a equity line of credit. 

Your best option for the remainder of the renovation costs may be credit cards (assuming you're comfortable with that), and of course friends / family / partner, 401k loan, etc.   

Talking with a few local credit unions but wanted to see what some national banks would offer.

You then report the income in CDA and a credit for US taxes paid.