According to software made by nerds who have attempted to reverse engineer the mortgage-specific FICO algorithm, no a maxed out HELOC doesn't hurt you the way a maxed out credit card does. 

That is why I am wanting to raise the rent to the market value of $875 sooner than later or I will not be cash flowing at all.  

@Kaleb HenryAdd to the fact there is also a Conventional option called Home Possible where you can do 3% down on a 1-unit or 5% down on a 2-4 unit.So if you are looking at multifamily homes, if you play your cards right, you can buy up to 12 units with 5% down, 3.5% down, and 0 down, all within slightly over 2 years (since you have to live in each for a year).And if you are working with the right loan officer and realtor, they can help you with how to use seller credits together with those low down payments to get you into these properties with very little out of pocket.TYFYS and best of luck!

I tried to get a hard-money loans but they messed up my credit and still did not approve me (just created a ton of credit cards and opened them for me).

Use online bill pay (from your business account), pay with a business credit card, or send them a check (from the business account.)

@Keith Meyer how much equity do you have and what’s the total raise?

AvenueWest not only has 20 years of corporate accounts that pay higher rental rates, they process all the credit cards, background checks, cleaning, property management and offer 24 hour hospitality response for guest needs.

Some investors choose to raise rents gradually in an attempt to avoid a vacancy.

DG Real Estate InvestmentsDG PropertiesGamble and Sons PropertiesJust don't make it too long, it has to fit on a business card.

They can talk them into buying a system or putting on their credit card.