Quote from @Josh Green: I personally am buying and helping clients buy in the Tampa Bay Area for a few reasons:Here, you have a historically strong and consistent tourism presence, limited land/STR allowable areas, highly liquid property compared to selling a cabin in the woods, all 9 classes of visitors in the STR sector, and appreciation.

Experience is a big one, which he has, so good there. 10% post-close liquidity is a common requirement."

They also do not use most Heloc's since its "Not" a liquid reserve instead its a debt burden.

If the methodology of the appraisal is sound, and the property income producing, quick sale or liquidation value can usually be assumed to be 70-75% of appraised value, imo.  

I have a good job and substantial investments but want to avoid liquidating assets (as I believe my investments have a lot of appreciation in the coming years), or paying the mortgage out of pocket every month.

SFHs are great because they are faster to liquidate if your need quick money (generally close in 30 or so days).

Do you have a cool theme?

That is SO COOL!

Yes you did mention that, that was really cool.

HELOC bank doesn't want their line used as a term loan on real estate they don't have collateralized and the bank that you apply for a loan for doesn't want your down payment to be borrowed.If you wanted to get the HELOC for home improvements then decide to draw on it for liquidity, had it sit in a bank account for a couple months and then applied for a MF loan and used it as the down payment, you'd have to answer no to the question, "is any part of the down payment borrowed".