But, generally speaking the 3 month seasoning products are pretty terribly priced with 3-5 year pre-payment penalties. 

Wyoming is a fossil fuel state, and we still make 22% of our electricity from wind and solar.https://yaleclimateconnections.org/2023/02/us-state-with-most-renewable-energy-production/#:~:text=Texas%20produces%20the%20most%20renewable,of%20electricity%20from%20fossil%20fuels.

There are some products out there for 3 months seasoning as well. 

Also we are aging and not feeling great physically working on houses.

These loans are often found primarily in larger commercial real estate and is a very specific loan product. 

i appreciate any valuable info about the loan product !!

This Dealmakers Guide is apparently really a great product, but I haven't found a cheap copy worth buying.

Hello,I know this has been posted a few times, but as the landscape for these products tends to change frequently, is anyone aware of any lenders that are offering HELOCs on a rental property (duplex specifically) in Texas right now (Aug 2024)?

If it is production builder, you're probably getting what they offer you. 

It can be physically demanding and as I age I know that I’m not gonna do this for another 20 years!