So, depends on your spectrum of which fits you better.First, remember that at the end of the day you need to be back to a regular conforming loan. 

Although I prefer doing a refi vs a HELOC because the added cash out is termed out over 30 years and has less of an impact on my cash flow, my concern is I'm not sure if my property will appraise high enough to conform to the 75% LTV with the cash out and I dont know how long the process will take (2-3 months?).

So, you have to refi into a conforming loan at the end.  

Assuming you have a conforming loan right now.

I would be happy to help and we can go to 70% loan to value so long as we're under the conforming loan limits

I am shopping for a conventional conforming 30 year fixed mortgage for a primary residence.

That rate looks more like a second home rate (ie vacation property) then a true conforming investment property rate. 

So if you want to beat all the tax delinquent marketers to the punch, look for people who have not paid their 2019 tax bill yet ( or in cali the first half of the year taxes) Mortgage companies typically require escrow accounts, so any tax records where the first half of the year is not paid probably either does not have a conforming first mortgage and could not afford to pay the tax bill, or has some other arrangement like a heloc or land contract.   

Hi BP Community! I wanted to get you opinion on potentially purchasing a triplex with a nonconforming unit. We’re in the process of purchasing an off-market deal. Our realtor, seller’s realtor, and seller claim the p...

This year the conforming loans jumped from 484,350 to 510,400 and FHA loans are 331,760 here in AZ.Inventory levels are still low and under 1 month supply for entry level homes under 330k.