It's a tough situation with the changing world of therapy animals as well (therapy Boa constrictor, perhaps?).

BOA does not always have this language in their approval letters.

That is the view of BO as well!

You can forget any large bank like Wells boA or large regional s I highly doubt with your scenario they will provide any credit to you.then you have the Brokers who are responding.. they set you up with a direct HML that does vertical Rates 10 to 15%  and points 3 to 6.. of which the brokers take 2 to 4 points for setting these up for you. 

I've ran into walls dealing with BOA in attempting to purchase a specific property note.

Appraisers many times shot very low allowing banks like BOA to charge high interest on what shouldn't have been a 100% ltv HELOC.

But human nature being what it is, people are hard to change their processes, but if necessary, remind Chase, Wells Fargo, BoA and the others how well their metrics protected them in 2008 - 2011.

Check out https://www.bankofamerica.com/home-loans/mortgage/budgeting-for-home/buying-mortgage-points-lower-rate.goThe banks want your points because they know the true meaning of the phrase "a dollar today is worth more than a dollar tomorrow"Using the BoA example:They use the concept of "break-even" from a "the bank wins perspective"If you can make 10% on your money by investing in real estate.The $2000 you saved $9000 over 30 years... turns into $39,674.80 over the same 30 years at 10% compounded interest.The $4000 that saved you $12,444 shows up in 30 years as $79,349.60.At even rates the first point in the above example is a good buy

I went to BOA were I have two business accounts and also my personal account for a long time to ask for some line of credit to invest.

I would pull out ~ 40 or 50k and put them in 6 or 9 month cds earning between 4 and 5%The key is you need to be able to make the min. payments monthly if you miss they can cancel your 0% promo rate and then youa re screwed.I actually just got a promo from BOA I can take up to 38k cash out @ 0% for 12 months with a 2% transaction fee OR I can go 18 months with a 4% transaction fee..