This is actually a sign of a growing stronger economy.I would suggest you shop around at different banks. 

Found out that when customers ask for a quote, I'm actually giving them an idea what the problem is, and what to do, and after that, they don't need you anymore.

It takes a while to actually make money as a Realtor since you need to build up a client list. 

I typically get 3-5 years financials and have my CPA review them as well, as a reality check.

That being said and to answer the question actually posed by your clients, there is no bullet proof protection for any asset. 

However there are those courses that do actually feed you some knowledge and not just 3 days of up sell.

The thing is i would like to see if there is an actual need among the real estate community.

Hey David, I actually took out a 401k loan with the intention of paying it back using my heloc... haven't done it yet, Because now I'm looking to Maybe use my heloc to purchase another property...

That being said, any time you are partnering with somebody who has the capital, taking on a hard money loan, or other 'creative' type financing, your actual FICO score doesn't matter AS MUCH as the deal itself. 

I know once I actually go through the experiences and I am actually DOING these transactions I will have more confidence in what I am doing.