I bought my first family home March 2014 for 136,500 I got in some credit card trouble and did refinance-cash out on my home October 2017 so I can catch up on bills.

I also do not like lenders saying they will use a seller credit to reduce the loan amount as that does nothing for me.I want a seller credit where I have the reserves to pull from and make quality repairs to the property.Lot's of sellers are selling on bubble numbers the last few years ( 4% rent growth, 35% opex, 3% vacancy).

When my son wanted to buy a house he didn't have good enough credit so my daughter had to put her name on the title as well because she had better credit. 

Only being 20 and a full-time student, I don't have a long credit history. 

However one option that I have is to get a line of credit at 0% APR for up to 24 months.

I am listed as the primary borrower and she is listed as the co-borrower on the loan because my income was higher and my credit scores were higher.

Will a bank have to run my credit and check my income to debt ratios like a normal mortgage or is the collateral of the property enough. 

We ok credit score, more than adequate income, and minimal debt.

I don't care what you say your credit score is or how many homes you have purchased or that you got approved online with Bank of America ...Bla...Bla..Bla... 

The only banks that I have talked to so far will only increase the available credit if you go through a Refinance process on the HELOC.