Explain your situation to your creditors , ask for a 90 day moratorium on payments with the principal added to the loan balance and term extended 3 months.  

It is a difficult balance to be considerate of tenants but you have to be considerate of your bank account.

in addition to paying the balance of the HELOC off, you will be servicing the debt each month as you go. 

Despite the loan balance being relatively small at just over $100,000, the property's value has significantly appreciated to over $500,000.

Even if California will not relent on adjusting emission control standards, and the more than 1,000 supplemental workers at the Stellantis Toledo Jeep plant who are expected to rise to full-time permanent status are laid off, on balance, local incomes are rising.For the vast majority of individuals, a home is the largest single investment of a lifetime.

I have no idea how that would play out in court, but I can't afford to pay attorney's fees on top of the balance.

Sometimes the lender will allow you to open a new HELOC and roll this balance into it.

I think the points to remember and try to balance are:1.

Also, to give you an idea of how the math works here is an example based on your home's values:If the lender lends up to 80% of the home's value, the maximum loan amount based on 80% LTV would be $392,000 = ($490,000 * 0.80).With your existing mortgage balance of $390,000, the remaining available equity for the HELOC would be $2,000 = ($392,000 - $390,000).Hope this helps!

My principal balance right now is about 187K.