This has become challenging due to an increased interest in the historic district in Dubuque due to revitalization plans that include 18 million dollar investment into the historic downtown area. 

I might say that most of those are going to be residential in nature as well. 

Also, what's the nature of your business? 

Quote from @Jonathan Bombaci: @Scott Trench Challenge accepted!

Hopefully, some of the lenders posting here can address that challenge...

A potential challenge with a HELOCs is they are based on the current appraised value of your home, not the improved value, so you would need to make sure you have enough accessible equity.

Without knowing the nature of your partnerships it’s tough to say specifically.

Quote from @Michael Challenger: I have no qualms with hard money lending, but I need to learn more about the process and structure to these for typical deals so that I am more comfortable and in a position to reduce my personal risk and risk to investors as much as possible.

When you deliver on your promises and provide exceptional returns, investors naturally want to share the good news with others.

So far the only applicants I’ve gotten on the hook for my unit were a younger couple who were very upfront that their credit was a little bit challenged.