Florida HELOC expectations too high?

[Susan K.]

Hi Everyone,

Is it possible to get a HELOC at 80 or 85% in Florida? This is for my primary residence, owned free and clear. Credit scores are decent and we have no debt. I want the HELOC to do a few flips. Also looking for one that does not have a pre-payment penalty in case we decide not to keep it open for more than a year or two. Please let me know if I am being unrealistic, and feel free to PM me with your advice. Thanks for your help.