Atlanta HELOC Lenders

[Ben Scarborough]

I am currently considering doing a heloc on my primary residence to buy and flip an STR property. However, my bank only offers 80% LTV. Does anyone know of some lenders in the North metro Atlanta area that would do an 85-90% LTV? I just bought my first STR prop a couple of months ago so my DTI may not be adequate, but would certainly be worth looking into!

Side question: how soon can you recognize rental income on your DTI ratio?

Thank you in advance for your input!

-Ben