The only advice anyone could give you is to stop doing whatever it is that you are doing that is hurting your credit rating. 

My properties are small multifamily and to-date they have generated between 50 and 60% internal rates of return for the past four years. 

as Update to this post from 6 years ago, there are heloc's on owner occupied 2-4 unit properties up to 89.90% CLTV or combined loan to values (meaning multiple loans but all together not exceeding 90% of the value).Terms typically areinterest only first 10 years and drawable from the lineyears 11-30 its Principal and interest payment Prime index/rate + margin (this portion is fixed but prime is not)underwriting is done assume prime + margin + 2% stress test for underwriting meaning if your prime + margin was 10% then your underwriting rate used to determine your maximum line you can qualify for would be 12% rate as an example based on principal and interest payment over 30 years or 360 monthsIncome is the main determinant of your qualification and fico min 680+ is just the min score to get through the "front door,"Maximum DTI or debt to income allowed is 45% DTIMaximum lines on this product go from 500-750k so you can get a decent line size that can actually buy other BRRR's or fix flips and deals.

And what package would I need to buy to have no fee for tenant and landlord.

Wall Street often doesn't highlight these options because they make money from the fees on traditional investments, but with a Self-Directed IRA or Self-Directed 401(k), people can take control of your retirement savings and invest directly into real assets if they wish.Here’s how it works:1.

Also, I would also suggest incorporating some property management fee into the analysis even if you prefer to do it yourself - at some point you may want to hire someone.

You're locking in the rate for a longer period of 3-6 months on each CD. 

If the other options fail, that allows you to keep the 3% and only pay the higher rate on the repair in the meantime.

You want to either read your closing disclosures because it will state if you "Can" or "Cannot" switch the title vesting to an LLC.If you want to transition your primary into an investment property I would recommend using a Portfolio or DSCR program by doing a simple refinance either cash out or simple rate and term for intended use.

If you take a high rate, interest only bridge loan, you need to have a solid exit or you will pay tons in interest.