Lenders assume more risk with a higher loan-to-value, so to compensate they'll charge more in points, loan level price adjustments, etc. 

@Greg O'Brien did I understand that you were advertising having the "all in one" umbrella with your group as well or are you more focused/consolidated in the tax prep area? 

I want to do a bank statement loan(I'm an independent contractor)with just me on the new loan in Texas .

Sara,I see this a lot and I always ask if you know you are going to refinance in the long run to consolidate the Heloc why not just do a Cash out refinance instead. 

When I am looking for a new investment property and am strapped for cash, I typically look off-market and try and find something that can a seller is looking to sell that needs minimal repairs to be rent ready and the purchase price is 80% of the ARV this way I can use private money to buy in cash, do the repairs needed then refinance on a DSCR loan and pay off the private money loan. 

Questions are what type of loan are you targeting?

Any other questions or help with a loan, feel free to Dm or email me!

@George Blower  Are you sure on the part that you can't take another 401k loan until 12 months after the first loan is repaid?  

So I am looking forward to seeing a consolidation in viewership and would like to see a lot of traffic pushed back to YouTube.How do you feel about this?

I was looking into unsecured personal loans but they only cover about 50-100k for 1 year duration.