Do they have late payments, or have they just maxed a $500 credit card? 

On the other hand, do you see late/non payments and collections across all their accounts (i.e. cable, cell phone, credit cards, car notes, etc)? 

But any true value-add lender worth his/her salt makes it more about education and planning and advice, than just sending in documents with an expiration date.  

Comps on zillow are not always the most accurate, so I would have your real estate agent run true comps for you, so you can evaluate the deal properly.

I've actually walked about 5 properties, but have only offered on 1... the offer was rejected.I think I'm getting a pretty good idea of what it's going to take to get into a rental property, but like most of the BP community, I'm struggling to find a property that looks as though it will cash flow without putting more than 25% down (which isn't "true" cash flow). 

You will learn how to max out your credit card limits !

I have a house in Texas I’m currently leasing to a tenant which is pretty much most of my debt including 10k in credit card debt and my wife’s vehicle.

I have roughly about $15k of credit card debt.

Your HELOC is calculated more like a credit card's interest where you are charged a certain percentage of the balance, and you pay down as much of the principal you want to, as you want to, subject to defined minimums. 

A wholesaler who was meeting with sellers would leave a nice, professional brochure at the seller's house after meeting with them.My team usually leaves at business card at the house, but I would like to have some sort of glossy literature to give a professional impression to the homeowner.Does anyone here have an example of what they have done for this?