At the end of the day, there are a ton of local small banks that offer competitive HELOC products.

Sounds like you've had poor expectations on how the process works, poor communication from your lender, and maybe there is more to your file that you are letting us know. 

These may be the easiest because if they are new constructions or full gut rehabs, you can see what the final product value is, and what these developers are buying at.It would be a good skillset to have to actually understand renovation and build cost. 

Typically a holding company is used for large companies like walmart - who has a shipping/transportation company, a real estate arm, the arm that sells the products etc. 

Jonathan,Unlike credit cards with "Intro Rates", HELOCs are a standard banking product. 

I don’t mind someone pushing their product, as long as it’s acknowledged by them that they are bias because of it.   

Although he has many products to sell, he really does have a heart of a teacher.

To avoid going through the same poor experience, keep reading.Even if someone gives you a referral here, do NOT make the mistake of assuming that the PMC will meet your expectations, just because they met the expectations of the referral source.In our experience, the #1 mistake owners make when selecting a Property Management Company (PMC) is ASSUMING instead of CONFIRMING.It's often a case of not doing enough research, as they don't know what they don't know!

You have to stay on top of them as there are plenty of poor property management companies fewer reputable ones.

If all I knew about the product is what I see here, I would probably say the same.