We don't use credit cards and prefer to pay our bills in person.

Do I have access to a line of credit, access to short term loan, or I hate to say it but access to a credit card?

I've tried using greeting cards of various colors, using off season stamps, hand writing the letters, using colored paper, and even putting photos of projects I've done. 

I have $25k in credit card debt on (3) cards at 0% that I can pay off if need be but from what the underwriter explained, the reduction in monthly payment would not be enough to get me under the 40% debt/income guideline for TD.

Getting a green card is hard, especially now.

Reduce Your DebtPay down existing debt, especially high-interest credit card balances.

You are undoubtedly in the attorney review period, so this is your get out of jail free card if you need it.

If I play my cards right and take action judiciously, I know it can work out.

Also, that second appraisal is the wild card in the BRRRR process (here's an article to help you navigate it https://www.biggerpockets.com/blog/real-estate-refinancing-success-brrrr-investors).

I have about $300 on my credit cards (just finally paid them off for the most part, and have about $20,000 limit).My cash on hand is relatively light, but what my plan was was to find some single family homes in the north Detroit area (currently anywhere from $40-$60k and put about $15-20k tops into any repairs or fixes (not looking for total rehabs, mostly something I can do some small repairs here and there and paint, personally I am knowledgeable about renovating up until complex electric and plumbing).