I want line of credit which when I applied at Wells Fargo was denied because I had my house debt of 120k.

Just some additional info about me: I work a full time and part time job, I have a 6 year credit history, I’ve never missed a payment and I have a good credit score.Thanks!

They have a set of rules to go by for qualifying you, but the rate/terms could vary from lender to lender.Shop around like you would for anything else.There is a Credit Union here in San Antonio that will pay up to$5k of your closing costs. 

Farm Credit is an organization that loans out on farms, but you would need that down payment. 

What are some things that one can do when they have little capital but great credit and they just do not meet the debt to income ratio to purchase properties that they are looking for?

Does anyone know of a bank or credit union that offers up to 95% LTV on HELOC's?

It will list any evictions, criminal, and credit to see how well they pay their bills.If you meet with a prospective tenant in person try and get a look inside their car.

Due to no one having 600+ credit score. 

about a year ago I shortsaled one of my properties and now i would like to refinance or apply for a line of credit on one of the others.

I got a list from Google and these were a mix of banks and credit unions.