@Tyler Kursh Hello Tyler, I actually work in banking and here where I work we offer something called a  Consumer First Mortgage where the closing cost are only $389, we group your current mortgage with a cash out option and then with a HELOC right now we are offering a rate lock promo for 3.99% for 10yrs, most HELOC's are variable products so if you were to go that route now would be a good time do something like that with the rate lock option.

BLOC FL, CO, OH, UT, IDMerchants Bank MN See Pavel UshakovMid-Hudson Valley FCUMountain America CU Utah, ID, MT, NV, AZ, NM. 85% LTV, promo rate of 1.99%.

As you shop around for kitchens you might also want to checkout Wren Kitchens - they offer lifetime warranty and 40% discount promo with 0% financing. hope it helps.

Also are there any current BP promos for trials

There are a number of credit cards with promos for no interest for a year. 

BLOC FL, CO, OH, UT, IDMerchants Bank MN See Pavel UshakovMid-Hudson Valley FCUMountain America CU Utah, ID, MT, NV, AZ, NM. 85% LTV, promo rate of 1.99%.

BLOC FL, CO, OH, UT, IDMerchants Bank MN See Pavel UshakovMid-Hudson Valley FCUMountain America CU Utah, ID, MT, NV, AZ, NM. 85% LTV, promo rate of 1.99%.

Investment loans are a standard 20% down, but lenders will often offer promos for a short time that will allow 15% down, sometimes less. 

Ideally you're also comfortable to get on video or speak to a crowd (webinars, promos, events, etc) Right now I have an excellent long term client looking to buy an investment property and I'm going to refer him to whoever I think is the right fit.

I am thinking about taking a HELOC with an 80% LTV & a promo of 2.99% for the 1st year & 4.99% starting after that.