“The sudden economic stop caused by COVID-19 containment measures will lead to a global recession this year,” S&P said in a new reportA cash flow slump and much tighter financing conditions as well as the simultaneous oil price shock will hurt creditworthiness it added.

One needs verifiable income, a record of credit worthiness, a history of earnings expansion and reserves, in case the unexpected happens.

There are different versions of the 100% loan, but it depends on several things, your credit worthiness, area of interest, property type, etc.  

Why would you put your creditworthiness on the line with an HML when you don't own the property? 

He owns $10mil+ in property and is credit worthy but relatively cash short.

The HELOC was extended to you based on your creditworthiness and equity.

Your creditworthiness is going to be another critical part of obtaining financing, sometimes even outside of traditional lenders. 

Now if one of the members is credit challenged this can affect the creditworthiness of the transaction.

@Jacob Rowland They call it credit worthiness for a reason, you got this fella! 

Yes, credit worthiness and availability decline in this kind of situation.