Heloc loan Troubles, any help!??

[Garrett O.]

Need help looking for a family member to get a heloc loan but seems to be having trouble finding a company who can do it on this property. If anyone has contacts they think could help lenders, etc. Please let me know or guide me to some people, we would really appreciate it. Here's a little about us and the property below

-Investment Property

- 2 houses on 1 lot (seems to be main issue with most)

-Approx Value 1.4 million

-first loan I believe is around $700,000

-Fico score is around 780 I believe

-LTV 65% to 70%

-Approx cash $200,000 looking for

-funds are for improvements

Also here are is some info on the owner, and what they have questions on.

+Owner is self employed, 40 yrs general contractor (sole proprietor), has 2 yr tax return

1) Prime rate + (?)- points to add for interest rate amount?

2) points cost for loan?

3) 10 yr adjustable-due in 10 yrs?

4) lock in rate at any time?

5) no pre pay penalty?

6) can you refi into 30 yr fixed?