My credit is 860 and my DTI is minimal and I've been renting for about 4 months and want to get into another home but don't have the down payment currently for a conventional.

I call this my "self-funding" model.I have talked to a few larger banks (who love my income, debt ratio, cash flow and FICO score) BUT will only do a HELOC on a primary residence or a 2nd home. 

They suggested a traditional loan as I have excellent credit.

It's a bit daunting, but you can't score a goal sitting on the sideline right?!

A" Tenant = Professionals with good credit, pays on time and takes care of the place.

Then you do another credit check on the husband and let him qualify by himself.

@Bryan Mitchell 20 years for the complex. 20 years for the downpayment equity line on the 5 SFR, a line of credit of 75k to make up the rest of the equity I could pull out of the SFR, they did give me additional on the downpayment to payoff existing loan but didn;t really require me to pay it off so I am planning on using that for other properties as my loan with my Parents is small, short term and relatively free(very low interest).

Anyone have any organizations they recommend to go to when looking for a line of credit?

Minimum credit score of 650 is required.

I am currently a credit analyst for a bank (I analyze ag and commercial real estate), but I need something I am more passionate about.