Hey @Brett RiemensniderThere are a TON of banks/credit unions that will offer as low as Prime on a heloc on your primary residence.

I have landlord policies for my rental properties in TX and AL states, but I am not able to get an umbrella policy form my current insurance company, because I do not have car insurance and primary residence in US, as I am not a resident in US.

If you lose your source of primary income, do you have enough cash to make it through the crisis? 

The reason I post this here is because I got totally different answers from two CPAsHere is the story:I bought the house as investment property and run it as STR for the last two years.

Different lenders can view income in various ways depending on who you speak with.

Unless a different one would be better that you could suggest   If you are house hacking you can utilize 3-10% down. 20%+ is great to put down but not always possible.

Hi so we have one primary residence with about 400k equity and a rental property what about 300K equity.

Once the rehab was done I refinanced out of the private loan into a conventional loan as a primary residence.

I won't be able to make the cottage legal rental without living in the primary home myself.

All the tax deferral of the 1031 and still using it to purchase your next primary residence as well.