I live in Texas and have a rental condo in San Diego, CA. I am looking to pull equity from the investment property, but the cash-out refi is not looking attractive given the interest rates. So I am looking to get a HELOC for the property.

I checked with a couple of credit unions in Austin, TX and they do not provide HELOCs for the out-of-state property. I am wondering what are my options and any recommended lenders who can provide me HELOC for out-of-state investment property.

Appreciate your input.