I have a real estate portfolio with good amount of equity (most of the portfolio is free and clear), however my personal DTI ratio is too high and that's stopping me from tapping into it to settle some debts and buy more properties.

Nah, I'm not in a relationship.

Personal guarantee? 

If I put the property in my personal name then its a non issue, but I can not find anyone to do specficly STR in a company name.Any help would be apprciated.ThanksMike

Hey Roberto - I personally would only pull the down payment from the HELOC just to lessen the risk associated with leveraging your personal home.

Many companies are offering STR coverage.I will also say don't listing to a single person who tells you AirBNB and VRBO 1m dollar guarantee is insurance.

A person who invests in extremely cheap properties.

We have a core 4 in TN area and a personal connection to both areas.

Network (virtually & in-person)3. 

I supply toilet paper, paper towels, liquid hand soap at all sinks, dishdetergent, dishwasher pods, one new dishwashing sponge, spray oil, salt & pepper (I buy the plastic disposable ones for picnics so they can't be refilled) and a few other spices, trash bags, some cleaning supplies such as Simple Green and microfiber cloths, coffee filters, plastic wrap, ziploc baggies, laundry detergent, and dryer sheets.Guests are asked to bring their own shampoo, conditioner, personal soap for showers, sugar, creamer and coffee.