Some banks and lenders will calculate your Heloc payment based on the Max limit even if you only have a small portion used due to preventive risk. 

Determine your maximum allowable offer (MAO) based on your investment criteria.

Now IF you have all those bases covered, my tips are: Take GREAT pictures and for the love of all that is holly please no close ups, wide angel pics.

A potential challenge with a HELOCs is they are based on the current appraised value of your home, not the improved value, so you would need to make sure you have enough accessible equity.

Yes I am complaining but I am in the boat of I do not see it worse than before, it has changed an AI has it being so obvious and I saw an AI post the other day from someone who has an excellent reputation and had a good amount of responses and left it, but I know it was AI based on the structure. 

Some lenders work with 220+ lenders and can really understand which lenders are best for you based on your situation. 

I’m based in Houston, TX, but I know how critical it is to find someone on the ground who’s a true investor ally, not just another agent.

You can't decide which one to choose based on the minimal information you provided.

I've been allocating based on sf used all direct and indirect costs. 

He claims to be Christian Based, but only rips poor customers like myself.