Best place to take out personal line of credit?

[Allen L.]

I want to start practicing BRRRR on properties with ARV of 90K so needing maybe 70K of cash. However I don't have that much right now but I have good credit and income to support it. I looked into personal line of credit as an option because I can just pay interest only during the 6-month no refi period, significantly cuts down my holding costs. This is also cheaper than going with HML. Has anyone done this? If so, what banks do you use?

Also, has anyone used a secured line of credit? I have a few properties that I can put up as collateral, but I'm confused if they'd qualify as collateral. Most of the properties are recent purchases and therefore are still around 80% LTV.