Heloc or Cash out Refi?? And best bank in Houston area

[Robert Youngquist]

Have a house with 130k equity. Want to pull all or some out to invest in other properties. Can I get some feedback from others with experience as to what me be a better decision. The Heloc or Cash out refi? I'm leaning towards the refi to lock in the lower interest rates.

Also I'm looking for an investor friendly bank here in Houston. Anyone willing to loan 80% of BPO?? I have a small town bank in west Texas that will do this and have been able to pick up a couple houses for basically closing costs only.

Thank you!!