I sometimes use my HELOC or BLOC to buy a property, do some work, rent it out and then get a loan and when the balance jumps up that kicks me back into the high 700s, but it recovers quickly, even before the balance is paid off again.Just google: how to improve my fico.

Many Americans take a HELOC on a US property.

For HELOCs without W2 income, look into local credit unions or community banks, as they often have more flexibility with alternative income verification and rental portfolios.

Two family note 403 at 2% valued at 800. 250 heloc coming.

Maybe a HELOC because it's in your account.

Your only way to get cashout is a full-blown cashout refinance.Not aware of a lender that will do a HELOC as a junior lien to seller-financing.

Unfortunately, Texas has a law prohibiting HELOCs on rental properties and I believe they also have a 70-75% max total loans allowed on the property which cuts into the equity I've built and would only allow for me to access 30K which would make it less appealing to go through the process for only 30K.

Quote from @Michelle Sharko: I’m looking to get a HELOC on my second home which I’ve only used for a few rentals, it’s basically our vacation home. 

Like you said with fixed you know exactly what to expect and right not fixed rate HELOCs are typically lower than Variable rate HELOCs. 

I bank with Navy Federal Credit Union, and they have a great 20 year interest only HELOC option in which I could utilize my substantial home equity.