secured lines of credit

[Nrbq Nkotb]

not sure what is going on, unless my internet hicupped yesterday.
swear i posted a thread with this title already.

Anyhow.
Since noone is answering my 2 part question, let me ask this more directly:

Does anyone here no anything about "secured lines of credit" ?

I was hoping to learn if you can secure a line of credit with upfront cash, or if the "securing asset" must necesarily be an annuitized income stream?

Will any "conventional" lenders give out a secured line of credit to an individual, with the explicit intention of using that credit to use as down payment on a real estate transaction?

I have two avenues of thought here:

1. can i secure a conventional mortgage for 80% with the 20% being in the form of cash paid from secured line of credit?

2. I understand from another thread that if the prospective property is less than 100K in value, that traditional lenders wont even lend. That is NEWS to me! What do people on the low end of the housing spectrum do then? There are tons of houses out there under 100K in most areas of the country.

So i guess question 2 is, could i get a secured line of credit -- say a 50 to 100K line of credit, based on 10K put down as securing collateral -- and use it to purchase outright a 30K piece of property ... assuming one can not get a mortgage for 30k.

Also, that would probably avoid lots of nasty loan origination fees that would through the cash on cash return out of wack for such a small loan, anyhow.

Is this doable?

Can anyone answer my fundamental questions about secured lines of credits, and their availability to someone with not much income (like less than 30K annualy) but with a credit score of 780+ and abou 15K in stocks in the bank? and to get that line of credit as a person (not a business) with the intention of using it to buy realty?

Anyone?

Thank you!