It is a matter of how bottom-line-oriented they are and knowing how to file insurance claims.

And what is your price point and are you looking for turn-key properties or something along the lines of a "fixer upper"?

I also have a $175,000 line of credit ready if something catastrophic happens.

Most investors make the same rookie mistake: They focus on problems instead of people.

Again even if you have great credit as you start to add more credit cards, mortgages, auto loans to your credit you can also be viewed as "High risk" due to Excessive trade lines in credit or higher DTI - debt to income ratios. 

having a HELOC to have an emergency line is smart since if you really need it in a crunch you could draw funds within 1-2 days or less in most cases.

Begin by educating yourself through books like The House Hacking Strategy and podcasts like BiggerPockets, and join online communities for support.

Why are you starting a new thread when you posted this same stuff on an existing thread? 

These people are counting on you.

Check out other online guides available here: https://www.biggerpockets.com/guides3.