It's been steadily going up however, so I'm either looking for lenders who would do a HELOC once my credit score reaches the required number OR I'm also seeking private lender who would be willing to lend with a second position lien on the property for the renovation amount ($35k-$40k)I was working with a private lender but he proved to be unprofessional and not able to prepare the proper, legal documents.

Where are you finding most of your tenants, and how much time/effort is required to secure a tenant?

What LTV is required?

A HELOC cannot be used as Reserves or assets and PITI assets are required when you buy more REI.When you look at the blended rate having a HELOC and a 2% rate again it usually causes a higher payment over a simple refinance. 

I use Hocker Title -- they do off-market through the regular title process, but if something comes up that requires an attorney, there are attorneys on staff who can work through the issues. 

The CCIM designation is a big plus but not required.

It also requires gaining a level of sophistication and knowledge that not everyone has the time, inclination or ability to do.

Raising equity, learning to become a property manager and fund manager simultaneously, and balancing the risk between asset allocation, core returns, and density of portfolio. 

The problem is that the insurance company is requiring utility bills from 3 months prior to me owning the property to prove the home was adequately heated.

Start small and work your way up as you build comfort and confidence in your skills.Although not required, a real estate license can offer beneficial networking and educational possibilities for those who engage in real estate.