Pentagon federal credit union does them, America First Credit union and Golden West did investment property HELOCs for a while, but might have since switched to owner-occupied only, you'd have to call and ask.

You now have a golden op remove your past employees 491k to a self directed IRA (please don't consider equity trust) and invest .

Life is grande, we are in a golden age in the US.

If it’s also in a heavily restricted area but zoned for overnight rental you’re golden.

Golden Age of Assumable Financing! 

We are in the golden years of capital...it's everywhere.

Hi all, Looking at relocating to Colorado in the not too distant future and planning a trip in the next month to ’scope’ out a number of different neighborhoods and would like to make contact with a realtor who we could work with who knows the Denver Metro area well.Currently we’ve been researching neighborhoods to the North West of Denver (Arvada, Superior, Golden, Bloomfield etc).Any recommendations would be greatly appreciated…Martin

By getting a house that needs work I've found you can stay a lost closer to that golden 2% cash flow. 

Well,the interior looks lovely but,the exterior paint is wrong and it sticks out like a sore thumb.Something darker that goes with the two much taller buildings you're sandwiched between would have been better.You made some mistakes that are going to cost you like they did me too.First,you decorated the interior to please yourself as if you were going to live there,not good.Way ,way,too expensive for the neighborhood.No one is going to pay you tens of thousands extra for having nice taste in fixtures and finishes.You are also surrounded by multi family rental properties instead of lovely single family homes which is where your place belongs if you could magically move it.Honestly,you missed a golden opportunity to make some good money by not just gutting but hiring an architect and redesigning it into a triplex or quad.A good landlord business would have paid you a handsome profit for a modern designed quad with affordable and nice fixtures.Your initial asking price was way too high and the real estate agent should have talked you out of it.Now you have 161 shoppers on Zillow with only a few of them real buyers waiting you out to see how low will you go.Their buyer's agents are sensing the desperation and waiting to drop the hammer on you.I went through this same terrible thing just recently and lost 85k when the bloodbath finally was over.I am afraid you need to prepare yourself for the same thing.If I am wrong about the address,pay me no mind and good luck to you.

Great to hear someone's story that isn't full of golden rainbows and unicorns.