. ;-)  well take out the grammer and typo errors then your of course free to use it. :)

This is my understanding but please help me to get a clear picture.Lets take $100,000 for the amount to be loaned out.1> Line of Credit (based on stock portfolios)- Lender says it will 0.5% origination fee ($500) one time cost- Lender says prime -MINUS 0.5 = 8.5-0.5%= 8% loan as of today.- No other fees or cost.

QUESTION MY CREDIT SCORE IS LOW BECAUSE I MAXED OUT MY CREDIT CARDS TO REPAIR A PROPERTY.WILL THAT BE A PROBLEM FOR ME TO GET A HELOC? 

Please advise what is my best course of action?

With a budget of $25k-$50k and strong credit, I'm considering remote investments in areas like Madison, WI, and Cleveland, OH (I live in HCOL area).

Loans are for home improvements only and approved based on income/credit.

@James McGovern, my personal view is the traditional route of good income, steady employment history, good credit score.I have rented to single mom's with kids (primarily when I first got started with section 8 SFRs).  

After receiving 3 quotes for comparable scope of work, of course 

The client wants to talk about how his PM company charges over the credit and background check costs that incurred by doing the checks.

Now, let's talk about options – check out Fannie Mae or Freddie Mac loans, think about CMBS loans for flexibility, try local banks or credit unions, and don't forget private lenders or bridge loans for short-term fixes.