Therefore, it is advisable for the client to consult with their CPA to receive personalized guidance tailored to their unique financial situation.

The interest rate on a HELOC or Heloan may be better than the personal loan. 

I have a salt water hot tub at my personal home.

Your solution is to borrow the downpayment, as well.This is referred to as "over-leveraging" and it's not wise.

LTC is sometimes referred to initial funding.

Again with tax auctions, some kinds of tax auctions are referred to as a "free & clear" sale.

My goal is to wholesale some properties single and multifamily to build some capital while fixing my personal credit and building my business credit.

Would a HELOC or home equity loan on my personal home be a good idea to fund this?  

If you are a control person, this can be a challenge but I have learned to let go over day to day issues that come up that I would do differently.Handypersons are a tough one.

I 100% agree with the intent aspect and that is an important premise, but the fact is in this particular situation intent for it to be personal use has been confirmed (by way of a public post).