What should I use for my next deal??

[Anthony Liguori]

With the COVID-19, I been reading a lot how banks are not doing cash out refinancing or HELOC... so I know all the investors are saying that in this time you need cash in hand .. though I have some cash I know it may not be enough. I have duplex that I bought for 200k 5 years ago and now I only owe 80k because I made several large principal payments throughout the years. My house was appraised a few months ago and it appraised for 270k .

My question is should I attempt to get a HELOC from my bank just to have some extra cash laying around just in case after the pandemic is over and some good deals come along ?? Or What other options can I use for my next deal ??