My credit is average and I have about 13,000 in consumer debt.

I got a home equity line of credit and bought 5 or 6 more houses. 

I been doing rentals for nearly 40 years and have yet to credit tenants for this issue, and don't want to get into the habit of doing so.

The nice thing about Cozy is the credit/background check is really easy and the tenant pays for it with their own credit card.

Yes - HELOC = Home Equity Line of Credit. 

Think of it like closing out a credit card. 

I am getting ready to close on my first investment property and came across having to purchase 2 types of insurance in order to close on my funding from a fix and flip Line of Credit product. 

Must have track record!

I assume you have a business credit card along with it, for business related expenses. 

As many of you probably know (and I just learned), proof of a consistent flow of income from the same employer for 2+ years is extremely important when it comes to receiving a loan (regardless of my excellent credit score and lack of debt).