Also, in step 3, is it possible to us a home equity line of credit?

As to your next / first steps....If you haven't already, I would recommend that you start talking to lenders (banks, mortgage brokers, credit unions, etc.)

I really would like to hit 75% does anyone have any small local credit unions in the area that they like doing business with?

@Mike McCarthy, I see that cozy requires a 2.75% fee when tenants pay with either a credit or debit card.

I had an Audible credit and it was between that Josh's book on Rental Property Investing or Shark Tank (how different would my life be if I downloaded Shark Tank instead?).   

We have racked up about 45k in credit card debt.

The issue you brought up about wealth advisors who have an incentive to sell you a products is a large one and that's why I believe Omar suggested a fee based one whose incentives are more aligned with their customers. 

Hi Adam,Just a couple comments and I'll leave the rest to others.In a downturn like 2008, I think it was more common for secured lines of credit to be frozen, not called. 

giving credit my go into a bad road depending on the type of people your tenants are as they might expect it again down the road. if they are great tenants, never bother for the small stuff and you want to keep them, I would give them a small reduction on rent to help them off set the electricity bill.

If that doesn't work please google 3417 Clarksburg.I am looking for a remodel / construction company or GC that is reliable, trustworthy and deliveries solid product.