You got credit for it at purchase.

My gut says that if things start to go poorly, a fix will be implemented quickly.

I would definitely tighten up your credit score and debts as much as possible.

It gets them out and gives an otherwise cash-poor tenant some money to get another place so they aren't living on the street.

I expect my largest obstacle will be my credit score.

We have a very high credit score and significant assets.3.)

I've been trying to get a home equity loan or line of credit and have just been told by one lender that I must have made 6 payment on my first mortgage since I refinanced. 

Can I just apply for a EIN # using my name and my SSN # to get a business bank account and business credit card?

And about 35,000 of that was on a credit card..

526 harwood street, Joliet, IllinoisDuplex x2 (2 bedroom 1 bath), electric heating, window a/c (bottom unit doesn't have a/c), no garageThe current tenants are paying $2,200 total for poor conditions.