I am having a challenge finding a small bank or credit union to pull cash out of SFR investment properties which I own free & clear.

So all of a sudden you have a decline in collected rents, your cash-flow sails out the window, you're paying 18% on credit card debt, and with lower equity you literally can't afford to sell the property because you can't afford the debt payoff and the realtor commission, closing costs, etc.  

Line of credit?

At the beginning of this year I found myself on a self improvement/personal development journey.

Can I get a better assessment by installing wooden floors upstairs, putting up a fence, "improving" the kitchen, or having a perfect lawn?

With that being said it looks like I have a terrible income to debt ratio. also a credit score of about 620. 

We bought the house for cash for about 20k under appraisal and then decided to redo the original 1893 portion of the house ourselves and then we got a line of credit for the renovation.

I try and discount some night just to get the couple bookings I have gotten via AirBNB.Homeaway is also constantly rolling out new improvements to the website and app.They now have pricing tools and other analytic that show competitors pricing with graphs and charts.They also show if someone did an inquiry and booked another property and you can see what the other property is to see the competition.

My friend and her fiance do not have the credit to buy it back.

I have a few deals on the table, nearly perfect credit, and $150 cash.