If you lost your job, or your credit changed, then you could not do this or other strategies.  

@Steve Smith I know using self-directed retirement accounts is pushed pretty big, but my understanding from accountants including my own is that people tend to get themselves into hot water with them. 

DSCR's are based primarily off of the DSCR ratio, cash flow, borrower's credit, and leverage.

Cleveland you'll see better cashflow and Columbus has higher probability for appreciation.I personally use Helocs only as operating accounts.

In light of your circumstances, take into account the following real estate investing strategies:Fix and Flip, Buy and Hold, and BRRRR (Buy, Rehab, Rent, Refinance, Repeat)Always keep in mind that careful preparation, thorough research, and modifying your approach to suit your risk tolerance and financial objectives are the keys to successful real estate investment.

@Micah Franklin Check with your local credit unions.

A good spread is 30%+ profit after accounting for purchase & rehab costs.  

Johnathan - I've used unsecured lines of credit to purchase and rehab properties in a BRRRR strategy before.

-Credit Requirements: Ask about their credit requirements to see if you're a match.

Using a HELOC for Down Payment-Yes, it's an option.Some investors leverage a home equity line of credit (HELOC) to use existing home equity for investment property down payments.