Again even if you have great credit as you start to add more credit cards, mortgages, auto loans to your credit you can also be viewed as "High risk" due to Excessive trade lines in credit or higher DTI - debt to income ratios. 

having a HELOC to have an emergency line is smart since if you really need it in a crunch you could draw funds within 1-2 days or less in most cases.

Quote from @Martin Streich: @Sami Gren  it is illegal to edit a contract midtermThat is not true.

Finally, always get the credentials to access the mortgage account online and change the email notifications to your address.

I had two lines of credit one unsecured for 5 million ( check book) and another for 10 million that we would secure them up with .. but you need time to do that bank required appraisal etc before we could tag the secured line and even at that they only lent 72% in these commercial loan structures..

Quote from @Zach Howard: Quote from @Jonathan Greene: If you are looking at properties in the US only on Zillow, and not seeing them in person (I know you are in Hong Kong), this is just an effort in futility because you can't underwrite single-family or small multifamily deals only online.

Not going to kill it on the rental income, but if you sell it subject to, there is a lot of equity.

It is illegal (see below article). 

Every month, property 2 has been paying most of the mortgage on that Property 1 home equity loan.

I have already been fully qualified for both the line of credit and DSCR.