Best method/order of obtaining 3 mortgages/HELOCs so I get all 3?

[Ron Gallagher]

I want to make sure I apply for 2 HELOCs and a 30 year fixed mortgage in the right order so I am able to get approved for all three. Here's my situation-- I currently have two mortgages that based on my current income have maxed out my DTI. I will improve my debt to income ratio when I rent out the house I am currently living in behind me which should allow me to apply for another mortgage on my next property and get approved. I will move into that next property in order to get an owner occupied interest rate. I also own a rental property free and clear.

The three mortgages/HELOCs I want to apply and get approved for would be 1) a HELOC on the rental property that I own free and clear (using a lender that offers HELOCs on investment properties like Wells Fargo or PenFed) and 2) a HELOC on the house that I am currently living in that I put 20% down on and it has appreciated a decent amount since I bought it last year so I am hoping to get a 90% LTV HELOC (I have heard there are some lenders who will give you a HELOC up to 100% LTV on an owner occupied property) on that property while I am still living there as an owner occupant. 3) I want to buy a new property with a 30 year fixed mortgage as an owner occupant and rent out the property that I am living in now.

My common sense tells me that I can pretty much get the HELOC on the rental property anytime and as long as the balance is $0 when I go to apply for the other HELOC or for the mortgage on my next property that HELOC will not show up on my credit report and will not affect my DTI. Is that logic sound? It seems obvious to me I want to take out the HELOC on the house I am currently living in before I move out in order to get owner occupied rates and be able to tap into as much equity as possible but also I should wait until the last possible moment (assuming continued appreciation) to get that HELOC so that the property will appraise higher which will allow me to get the maximum amount for this HELOC. Finally, once I save up enough cash for the down payment on my next property purchase I want to buy my next property with a 30 year fixed mortgage and I am thinking as long as I don't tap into the two HELOCs I hope to obtain and their balances are both $0 then my DTI will not be affected by the two HELOCs as I assume they will not show up on my credit report and I will get approved for the new 30 year fixed mortgage despite having two rather large but unused lines of credit. Is this correct?

Then after I buy my next property I will have reached my monthly cash flow goal and I will quit my W-2 job, but I want to get all these loans and HELOCs in place before I leave my W-2 job so I have some HELOC money to play with if I want to do some BRRRRs in retirement and I was always told you apply for credit when you don't need it so I assume this is the right order and way I should go about getting these mortgages/HELOCs but I wanted to run this by the people of Bigger Pockets to make sure. Thanks in advance for your input!