I have already been fully qualified for both the line of credit and DSCR.

Quote from @Natalie Allie: If you are still considering the Land Bank in Detroit listings, just be careful to check with the city on whether or not the water needs to be reconnected.

Anyways, I think @Caleb Brown hit the nail on the head.

Investors just need to be realistic with their time lines and such.  

And I don't want to gamble on Bitcoin this time.

Does anyone utilize a line of credit as an emergency fund?

These are very risk gambles that should only be attempted with money you don't really care about.  

For replacement canoes that got damaged by straight line winds.  

Quote from @Scott MacComb: I have had contractors just do a small list on a paper napkin, and some do something on a word document.

I see a couple of interesting options on Loopnet.