No seasoning.Key Bank, FLorida flexible lender, HELOCs on second homes and rental properties. 90% LTV on primary.PenFed - max 3 other properties, 89% LTVRegions- yes HELOC but no LOCSCCU Florida 70% LTV, 6.25% interest only, not LLCSound CU "non-owner occupied HELOC, capped at $150K and interest rates are prime + 2%, 3% or 4%, based on credit, not to exceed 70% ltv.”TD BankTIAA Direct was EverBankTower FCU, all states except TX, max 45 DTI, green card ok.

My credit score is 550.. no bankruptcy, no foreclosure, just a bunch of credit cards.

Please know that many investors use this approach, so homeowners get mailer and post card fatigue from all the spam mail.   

We moved into our studio ADU and rented out the main house, worked our tails off to pay off credit card debt, refinanced and now live in the main house and rent out the ADU where the tenant is paying more than the interest on our loan.

- usually by card.

Sometimes we have to play the hand of cards the market deals us and play the best hand we can.

The majority of taxpayers are required to settle their tax dues by April 18 to avoid penalties and interest accruing on any outstanding amounts after this date.For those residing in Maine and Massachusetts, the deadline is extended to April 19 due to the Patriots' Day holiday in these states.How to Request an ExtensionIf you find yourself in need of an extension, the IRS provides convenient options to make the process smoother:File Form 4868:Utilize your tax professional, tax software, or the IRS Free File platform on IRS.gov to submit Form 4868.Individual taxpayers, regardless of income, can leverage Free File for an automatic extension request.Electronic Payment Method:Make an electronic payment using Direct Pay, Electronic Federal Tax Payment System, or debit/credit card or digital wallet.When selecting the payment type, indicate it's for an extension.

Manny Moreno Aloha Manny,  I heard a lot of good things about AM Cards. 

You'll always be safer with that, a written contract, and paying via debt/credit card assuming their licensed & insured.Where in Houston are you looking?

A card can be displayed under the sold sign and a stack in the container beneath.