Had this financing lined up where told me they could do up to 75% (or 15% down), however when I actually got all the paper work ran through they will only do 85% down on multi family.

Hold on to her entire deposit and let the rest go.Bottom line is it depends on how diligent you were with inspecting your property.

My credit card only charges my Netflix and is paid off in full to maintain 3 lines of credit.

most likely laziness or misplaced trust. the only person who you can reasonably expect to care for your property is you, and a strongly written lease is your first line fo defense against damages.

I mean I used to work as a licensed contractor and for an estimate I would charge $47.00 per half hour of my time , still quite affordable if you ask me Plus that would put me first in line to contract with the cash buyer.

The constant issue I have is unlocking & accessing this equity, preferably through an equity line of credit.

My plan was to maybe build more units on the lot later down the line, however I recently found out that based on the zoning I wouldn't be able to build more units on said lot.

I live in a 1300 square foot, 3 bed, 2 bath house.

So anything along the lines of an email or phone call, is just a conversation outside of the purview of the contract. 

Through that company I have an unused line of credit of $100,000.