Any REIs in the Charlotte area have a good lead on a lender doing HELOCs on investment properties? I've made 7 calls so far and haven't found one yet. Navy FCU was not offering a HELOC secured against an investment property (i.e. non-owner occupied), neither Wells Fargo nor the several small credit unions I called were "doing investment HELOCS right now".

Details: 3/2 SFR. We've owned 2.5 years and it's been 100% occupied and cash flowing the entire time. We owe $131K and Zillow shows a market value estimate of ~$207K.