The issues that most run into though is the property doesn't cash flow enough to support a higher LTV or most lender require a minimum FICO to qualify for the higher LTVs... some lenders have other experience requirements and reserve requirements as well... all depends. 

Quote from @Jenna Kelley: The foundation is one issue, I agree with the other two comments..

Mine is that as an investment real estate agent, we operate like a wholesaler but with licensing!

@Alex Washburn makes really good points - the process is definitely not easy. 

There is many DC investors here.

So is it a matter or reaching out to lenders saying I'm willing and able to act as a broker and ask for their terms/rules?

Florida’s housing market is undergoing a significant transformation, presenting promising opportunities for buyers and investors.

@Ali HamadeSince your property is ideal for house hacking and generating rental income, targeting an investor-friendly audience is a smart approach.

FICO is 700+ purchase price is 80K and the rehab budget is 100K.

Quote from @Christina Venegas: Quote from @Dominic Mazzarella: Quote from @Christina Venegas: is it possible to do HELOC on a primary home that was purchased 6 months ago with 5% of down payment, the property was $145k and it was appraised at that time for $160k. i need advice from investors and lenders, if anybody knows some lenders that could help me I would really appreciate it, thanks for taking your time to respondIt’s definitely possible to get a HELOC on a primary home, but most lenders have a seasoning periods which are typically 6-12 months after purchase before they’ll allow it.