They say, " if you can't take the heat then stay away from the fire", in other words if you can't absorb the cost of doing business then you are in the wrong business, simple as that.This is why I can't stand all of the jerks selling people on the concept that people can do real estate with absolutely no money, no credit, and no experience. 

Most people from what I understand do a lease option because they want to fix their credit to or have more time on their current job. 

Are there any known lenders that works with high DTI and a mid 600 credits? 

I have opted for this approach as opposed to the no money/no credit/no job/ help me seller finance stuff. 

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

@Sam ShuehHmmm I checked Zillow and checked the 'Tax History' tab and it said that in 2017 that the property tax was $4326 and the Tax Assessment was $367,097. 

Our local contract states that when you request repairs/credits after a home inspection the sellers first response can not be to void the contract. 

My effort driving there would have been useless.My advice, if you have some bandwith in your cash flow, you should just call a handyman or have your tenants do it (and give them a rent credit) .I had one of my tenant install to 6 fence boards (literally just buy the materials at home depot and hammer nails on the fence posts).

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

The judgement itself will appear on the credit report.