2nd Mortgage or Hard Money?

[David Supple]

Wanted to get people's opinions on whether I should take out a HELOC on my home or seek to obtain 'hard money' as the downpayment for an investment property. If I go up to 90% debt on my current home I could pull $40K out of it and would use this as a deposit on a multi-family. I do not love this idea as I would be heavily leveraged on my home and a turn of the market could put me under water on my home. If you have any input on this vs going after hard money please let me know.