Costs are at an all time high right now with no signs of stopping anytime soon.The other factor to consider is there is a labor shortage due to demand and with the amount of construction in progress its taking a lot longer to get things done so you need to account for that as well.On the flip side interest rates are at an all time lows so its kind of wash. 

The third looks like a flip in progress.

If you have a job and w-2 and forward progression is what the lenders look for.What do you have for a down payment and whats your gross income.PA is a decent area to buy something because the lower price point.Find a fixer, find a creative deal, partner up.

It kind of depends on your needs-- my bank counts the full amount of the HELOC as credit card debt :(  So if you use all of it and/or don't make consistent progress paying it down, your credit score could take a hit.

If it takes longer to accomplish what I want, I will be happy to know that I've at least made all of the progress I could possibly have within that original timeline I gave myself.

Give us an update in a few months with your progress!

How are things progressing on your end?

Progressive tax vs regressive tax. 

As I’m sure has been mentioned many times steady, partnership with a seasoned investor may be a great way for you to mitigate risk, get the exposure to multifamily, and still accomplish your goals.

Since you are in BK progress, make a plan to restore your financial situation with small short term attainable goals.