I can't get a HELOC?

[Paul Scammacca]

Help!  Small investor here with 4 properties. 13 years ago we had a ch7 bankruptcy which included a house. That house was foreclosed on in 2018. Yes 8 years later. Since that time we have bought 4 rentals. Problem is I have been looking into a heloc on our main home but I keep hearing the foreclosure wad complete in 2018 and you have to wait 7 years. No issues with credit or income. Any thoughts/help/advice?  Thank you. Paul. 

[Dave Skow]

@Paul Scammacca- thanks - the  timelines for HELOCs   after a CH7 BK  will likely vary  quite a bit for  heloc lenders  ...mos  1st mtg  lenders will require  4 yrs  from  discharge  or  7 yrs  if you have  filed multiple times  ...I would recommend trying 1) the present  1st mtg lender  2) the place where you bank  3) smaller to mid size  credit unions or banks in the area close to the property - good luck