My goals would be to increase monthly cash flow and have more access to the property's equity for things like Cap Ex, etc....Here's a blurb from a lender's website:"By combining banking functionality with home financing into one dynamic instrument, borrowers are able to save tens of thousands of dollars and years off their loan""Designed after popular programs around the world, the All In One First Lien HELOC is the nation’s first transactional offset type-mortgage program.Home financing and banking combined:Deposits lower your loan’s principalFunds remain available for expensesInterest is calculated on the average daily balanceThis lowers the monthly interest paymentsTens of thousands of dollars can be saved over the life of the loanMortgage freedom can be achieved in half the time or less

I have been lurking on here forever, but just recently became a member so that I can access all the extras.

However, if you dont have access to that a DSCR loan, fix and flip or fix and hold loan are good.

What banks or lenders are other investors using to access some of their equity?

If you don't allow someone to access the property when they paid to do so, that sort of thing.Negligence is when you don't make a repair and someone is injured.

Direct access to MLS data, multiple solutions for sellers (off market cash deal or listing), ability to rep. yourself on your own deals (saving on commission), and of course, education & networking.Having a license costs $$$ though.

Own one home currently 1,770sqft 3bed2bath. 15yr fixed 2.625% -- Mortgage +  Escrow $1650/mo, worth $365k, owe $135kTrying to buy a $400k home to move the family into, but keep our current home as a rental property.Considering refi, heloc, or home equity loan to access equity for $80k down payment.Would rent my current house for about $2,100-$2,400/moCan someone with some knowledge/experience tell me what's the ideal way to access my equity to make the most investment sense?

Assuming adding a vent isn't unduly difficult, i.e. the dryer being in an interior room far from an exterior wall and/or no good access to run dryer pipe, I would put it in on my own.

Unless you have consistent access to off market deal you will probably be wasting your time with this kind of investor.

Don't fluff it and make sure you know someone with MLS access to make sure it's correct.