But they felt we needed reserves and want to put a credit line on another apartment building for $820,000 and restrict $500,000 repairs and allow $320,000 for the actual credit line.  

@Zach Mitchell I'll give them the benefit of the doubt before disclosing their name and maybe give them an undeserved bad reputation :)This person is more like a project manager but he prices the work himself and I pay him, not the workers.

I would think local bank or credit union. it would likely be too small for other lenders.

Keep in mind the shorter the term, higher the interest, lower LTV, higher borrower credit, strong pay history, all add up to higher resale.

unless you have great credit and are an  experienced real estate investor, no lender will allow a owner second as substitute for borrower contributed capital.2.

I did what I thought was a good thing that turned out to be bad.  

You are trying to get his general thoughts on his being open to it or more closed off based on bad experiences in the past.If he seems neutral to positive you could bring up you are thinking of bringing in a partner on a deal and start talking about the property and details.

The one house I'm looking at has over 1300 square feet and doesn't look that bad (Compared to the rest of the town).

This can include past taxes, bank statements, credit reports etc.Stay away from anyone who says they can finance anyone from 5k-50 mil for 4% as well as anyone who asks for upfront fees.  

To pay off all our bills, and pay off what we owe on cars, credit cards, student loans, debt collectors, etc we would need around $125,000.