So I want to make sure I’ll be able to access that big chunk of equity through a HELOC in the future. 

They offered me two packages: The first was the $10K package with access to their wealth building team, and which I was told I was not quite a good fit for based on my tax return; the second package was a $2K package called the My Tax-Free Wealth Roadmap which was more self-directed and offered access to several video tutorials and 12 months of access to group calls with Tom Wheelwright live (2 per month, 24 total).

I don't understand how a real estate agent would get access to "investor-worthy deals" when I would think the people they work with aren't in a distressed situation and are looking to sell for a profit. 

Additionally, I can receive $40k in gifts from my father and ability to access a $20-60k loan from family at 4% APY interest.

So, they would refinance your current mortgage and then provide the 95% LTV HELOC.In my situation with the option they gave me it doesn't seem to be far off from my current mortgage, I'm currently with rocket mortgage w/ a 2.8% ARM and to refi with Lower (in order to get access to the HELOC) the new interest rate would be 4.1.

As far as location, it is very sought after as it is is very close to the airport, easy access to the Space Coast on the 528, the 417 will take you right to Disney and downtown is just West on the 408.

Do you work with a broker or captive agent that only has access to one company?

When then can this be accessed in the future?

And yes, we have access to on- and off-market in Philly.

Aloha Duane, Do you have access to any private lenders?