When my son wanted to buy a house he didn't have good enough credit so my daughter had to put her name on the title as well because she had better credit. 

Only being 20 and a full-time student, I don't have a long credit history. 

However one option that I have is to get a line of credit at 0% APR for up to 24 months.

I am listed as the primary borrower and she is listed as the co-borrower on the loan because my income was higher and my credit scores were higher.

Will a bank have to run my credit and check my income to debt ratios like a normal mortgage or is the collateral of the property enough. 

We ok credit score, more than adequate income, and minimal debt.

I don't care what you say your credit score is or how many homes you have purchased or that you got approved online with Bank of America ...Bla...Bla..Bla... 

The only banks that I have talked to so far will only increase the available credit if you go through a Refinance process on the HELOC. 

That helped immensely with improving my credit score.

@Amy Rodgers There is a huge element of terror involved in putting up a lot of your own money or risking your credit for a real estate investment, especially when you don't have a particularly remunerative job to fall back on.