Some will even give you a credit line up to 90%+ of home value.It would allow you to access a lot of that equity to use for down payments or cash buys.The downside is that HELOCs are usually floating rate.That’s probably the easiest way to minimize fees, keep your properties performing, and expand the portfolio.

If typical finance avenues don't pan out, always check with credit unions. 

Or should I go with just getting 2 or 3 secure cards  to start building my credit and ignore taking care of the debt (credit score-610)?

One on a property in Colorado, another on a property in Washington.Colorado: 130M balance, 3.375%, LTV ~51%Washington: 262M balance, 3.875%, LTV ~60%Maximum Loan Limits in Snohomish & King Counties: $667MMy idea to leverage myself into a new primary residence is in 3 parts.Refinance the WA property to conventional financing to free up VA eligibility and back it up with a 95% equity line of credit from SDFCU.Draw a NOO equity line on the CO propertyUse both equity lines for a downpayment on a new primary residence financed with VA fundingMy question is, does it make sense to refinance the WA property for the benefit of VA eligibility on the new purchase? 

Just to cover yourself,  find other non-discriminatory means to decline them like credit score, criminal background and eviction history.

You need a high credit score and no bad debt to move forward.

call all the banks and credit unions in the area.

I have money saved up, 15k, that I am looking to use to purchase my first property and my credit score is ok at 670. one of my issues is my credit utilization due to credit cards I took out for my business that I maxed out and I also have student loans.now fast forward, I want to get into house flipping and later on buying and holding, probably 5-10 years from now. i have done a lot of research on loans I could utilize including the fha loan which seems to be the most attractive to me however I am aware that I would have to stay in the property for a year before I can do anything.

My main house (lets called H1) is worth $435,000 but I still owe $380,000 so a line of credit is not an option.2.

This application covered most things - but I'm wondering if there's anything that was left out of if it's asking for too much information (i.e. credit card information / balances).