How do I fund without refinancing?

[Patricia Lashley]

The house in question is a brick/block house on a double lot. We have owned it since 2009. Immediately after purchase we rewired the entire house, gutted the kitchen and did it over from the floor up with new appliances, painted the entire inside of the house, and switched out most of the original plumbing. In the years that followed added a new roof, new water heater, new AC. Last month we put in a new kitchen floor and new floors in the 4th bedroom suite. Additional work is needed to fully restore the house after a tenant move out, including painting, adding a shower to an existing powder room etc. This house has approximately $250,000 equity. I do not want to refinance the mortgage. But I need funds to execute a proper rehab. Unfortunately our CPA disappeared sometime during the pandemic and I have not been able to find a new one to bring our taxes current (we do not owe taxes - just have not filed yet) so that excludes a conventional HELOC. I am looking for a HELOC that will not require tax returns. My credit is good and have never had a bankruptcy or foreclosure. I own other rental properties and our home (with my husband). Any advice /help would be appreciated.

[Sean Bramble]

I’m sure there are many ways to get creative here, but it seems like simply doing your taxes will open up a lot of common sense doors for you here. Just bite your tongue and get it over with