Cash Out Refi vs. HELOC

[Reece O.]

Hello, Is a HELOC easier or harder to get than a cash out refi? Are they the same? My credit is good. I am only worried about denial from my income. I have over 40% equity in my property. Assuming that I cannot get either of these, would it be possible for me to find a lender somewhere that would take my property as collateral? Thanks.