It will sell mores easily and be a safer product.

My GC primed and painted over them a few times thinking they were just old, stubborn stains that needed extra product, but they kept coming back after each rainfall.I hired a water intrusion detection company to help me pinpoint the problem - they said the new roof seemed solid and that based on infrared and temperature readings, the moisture is coming in from the partition walls.

It's very possible your broker is limited in the products they have available for you.

When I want to refinance, I just look for a lender and vet them and analyze their loan products. 

I specialize in single family homes in middle class neighborhoods , working people providing a high quality product for tenants that stay for avg. 5-10 years.   

you keep saying "high ROI returns" without any data to back it up. and I have a couple of 3 bedroom beach properties and I dont always get $190 a night. i mean, good for you, but it seems like you are coming on here trying to sell a product rather than just discussing it.

The only way to avoid them is to put more money down or you need a lender that offers their own product. 

This is the best solution I've seen (https://www.amazon.com/gp/product/B075K6PHJ9/ref=as_li_tl?

This is generally going to be a loan product for a long term buy and hold property. 

Elwin, in general, HELOCS are second lien position products.