While you save up work on building up your credit history with a credit card.

I have this crazy debt ratio without any bad debt (no credit card debt, no car loans, no personnel loans, no toy loans (I have various ritually every toy: 7 cars, 2 boats, a motor cycle, beach house - still missing a plane)).Dave Ramsey’s advice is correct for many/most Americans but is hindering to most BP users.best wishes

So think ads with cute pictures of them, cards, mailers, etc.

Option 2: HELOC (Home Equity Line of Credit) This acts like a credit card secured by your property's equity.Option 3: Portfolio Loan. 

You’ll still want to reconcile your actual business bank and credit card statements.

Plan closing funds by stacking: ask for seller credits toward closing, use allowable gift funds, and price out down‑payment assistance or a small 0% promo card for minor repairs after closing.

Even if the property is in your personal name and you don't have an entity for your REI activities, create 1 additional checking account and 1 additional credit card for your REI activities.

That may mean liquidating assets (a second car, collectible Pokemon cards, motorcycles), whatever can generate some capital to eventually leverage into a down payment.

Getting it delivered to the house would inconvenience the guests and/or it would  risk to get stolen. 

Sounds like in your situation a cash out refinance would be the better option since it is less risk and you can get a lower payment/rate verus a heloc.There is a lot of issues than can arise with a Heloc which is the same as a credit card verus liquid reserves tax free cash in hand that can be used as an asset for PITI reserves or collateral in general for compensating factors in underwriting or rate/term qualifications.I enjoy helping other BP members save more time and money I say it a lot here on the BP forum but its super helpful to avoid mistkes and lost deals as well.