Happy to discuss pros & cons from my experience with you privately if you want to message me. 

See if anyone returns the email/text. 

If you have used HELOC in first lien position please update the thread or message me, seems most banks are not interested to give you this loan product even if you have the equity. 

Shoot me a DM or a text (number in my signature) and I'm happy to point you in the right direction. 

Should be obvious to everyone by now, it's only regurgitated constantly on every major media medium of the "us vs them" messaging, poor vs rich, that if your not rich your poor and it's NEVER your fault it's "there" fault.     

I just messaged you!

Communism is the best marketing message, and worst reality.

Now the PM is not really responding to my messages, just saying they don't know what to do. 

This was a long time tenant and I texted her for details.  

Shoot me a message if you want to meet up for coffee, I'd be happy to help you.