If I understand them correctly, they are deals where someone will move a home they have for sale onto an open lot, and receive free lot rent until it is sold off.

Sorry to hear about this predicament.Insurance should absolutely help you but you and I both know that you're going to have to free up the calendar on the days that you decide to call.

Some banks only use one bureau like Transunion or Equifax and whatever that score is they will use to qualify.My advice is to look into a cash out refinance first before you apply for the Heloc so you can pay off debts through the refinance process.Another option would be a personal loan where the bank pays off your debts by consolidating them to help you free up your DTI. 

Feel free to drop me a message if you have any questions or need personalized advice!

I see this post is a little old but to others, if you're in this space or selling something in this space, feel free to message me. 

Truly helping these folks for free. 

So file your complaint its free.

You can check the records in DOF tax portal, feel free to reach out via DM or text me - happy to point you in the right direction.I'm an investor and commercial broker in NYC so I work with a lot of clients that have similar issues, thanks. 

Feel free to msg me

Feel free to connect, I would love to learn more about your rei journey.