If you’re buying an investment and do not intend to move into it, then the other LO is telling you how to commit occupancy fraud - which is heavily investigated.

THANKSROB L I am not sure about subject to but as far as lease option - I am assuming you are doing a straight lease option (L/O) since you did not say sandwich L/O. 

I went looking for their reviews and lo and behold, I found many on the BBB website... but, what solidified what I had already learned about them, was their TACKY, UNPROFESSIONAL responses to everyone who shared their negative experiences about the company. 

@Jerry Lo Your options with most conventional loans will depend on your W2 income, credit score, DTI, etc-- as the sole income source.

You need the help of education, an experienced LO investor and contracts/documents.   

Even though I don't typically do this, I took a shot in the dark and started reaching out to some of my contacts and lo and behold found quite a few of these properties available for my buyer.

Find local orgs in meetup.org2) get educated in LO, WLO, subject to,  search these terms in youtube etc. 

However, you WILL need to liquidate those funds prior to the purchase, and be able to show what the new monthly payment is on the heloc for underwriting, before you can get final loan approval.Be sure you are getting advice from a mortgage professional, not posts from non-LO's. 

https://www.bizjournals.com/lo...

@Jerry Lo Can you give some more background?