Their representative recommended I engage with JP Morgan Chase private banking / wealth advisor as they thought this would allow them to be more creative and include other assets as part of the collateral.

I represent a lot of buyers in Tampa, and some hire me for full service PM, limited service PM, and some self manage. 

Because it's better to hire a professional agent to represent you.

I know I just ratified a transaction where I was selling a new build ( not yet built) and the broker representing the buyer had a very high buyers broker agreement that simply does not work for builders and what we have to do to manage the process.

its creating some friction with brokers that are representing buyers  Listing agents no change.the commish is becoming a negotiation just like a home inspection..

And the agent license was same, I didn't want to represent clients, so the ongoing cost and time investment was not worth it.I had never heard about lenders allowing higher LTV, or anything like that simply because you have a license.  

I used to agree jay but after our most recent transaction with them they aren't a fair intermediary they represent the buyers yet claim not to on transactional paperwork and also use their network against builders. a little manipulative.

Unless you have extensive experience representing yourself, I recommend using an agent.

In 2023 before I invested any funds, each and every time that I spoke with their representatives, I asked as my FIRST question if Norada Capital Management had ever missed any interest or principal payments, and was always told the same thing by their representatives, that Norada had a perfect payment/reimbursement history.

What they might lose sight of is that banks have underwritten these HELOCs based on the owner's US income only with a margin of safety and without taking any income from the Tulum property into consideration, which therefore represents a second margin of safety.