Instructor has told us to read, reread all the chapters each week, study study study at least 2hrs per day all 7 days of the week and we might pass the class test and hopefully, the state test.

Have her read this, then re-read it. 

I reread your post and you did just mention the surround.

In re-reading this thread, I see you mentioned insuring the property.

Currently re-reading Atomic Habits again.

I'm not sure after re-reading it what he is asking so maybe we are talking about two different interpretations of his post. 

But then I re-read your post.

@Emmanuel Fregene, it took me a minute re-reading your questions to get at what I think you're asking: To summarize, you're thinking of using a heloc to purchase a property and then are wondering if you'd use the same bank to refi out of that heloc to a conventional loan. 

I'm sorry if it looked like I was saying anything against you, but rereading it I can definitely see where I'm guilty of miscommunication. 

Eta - i reread and see op is talking about duplexes....