-Other than the mortgage on the house I have no debt and credit score of ~830.

The terms for an Investor LINE of credit are:24 month termInterest only paymentBorrower pays all closing costsBorrower pays a .50% origination feeMaximum 75% loan to value on single family residences70% loan to value Townhomes or CondosRates for credit scores over 725 are prime (currently 3.75%) +.50% to .75% depending on debt to income ratiosThe terms for an Investor Mortgage (fixed);5 or 7 year termPrincipal and Interest PaymentAmortized over 15 yearsRate for 5 year 4.75 – 5%Rate for 7 year 5.75% - 6%Borrower pays .50% originationBorrower pays all closing costs

Keep in mind to have it re-fi'd, you'll need to qualify i.e. fit the bank's criteria for credit score, debt to income ratio, etc.

I also have been listening/watching many podcasts with Brandon Turner and Josh Dorkin, which are incredible and second to none when it comes to real estate investing material. 

I know hard inquiries drop your credit score.

It has been an incredible resource for a newbie like me!

I've been a part of online networking communities in the past, and found them incredibly valuable.

I know WF isn't that good in general but wow this is nuts.In mortgage terms you can be charge a late fee but for purposes of fico scores 30 day lates is the standard.I hope this helps and have a great day.

I can give you IMO a pretty solid analysis of our market and probably help you score (sorry I couldn't resist one more)

get educated. the best way i learned about REI is listening to the podcasts. they are incredibly helpful. you might not understand what people are talking about a first but as your knowledge increases you'll start to catch on.