I use yellowletters.com and use PROMO CODE Biggerpockets for 10% off

I don't recall that ratio being mentioned in their promo video.

You want to learn the specifics of the HELOC you’re considering - things like interest only period & repayment period, any fixed “lock-in” options and corresponding restrictions, closing costs (if any) to get the HELOC - some credit unions offer $0 closing cost promos if the initial draw amount meets a certain minimum, any annual fees/maintenance fees, etc. 

Thanks for the promo @Sandy Uhlmann!  

By having a service called RentReporters contact your landlord verify your rent and payment history and creating a tradeline on your credit report you can boost your credit score.I used RentReporters and my score went from 640 to 800, also they are giving $20 off using the promo code TMUK

Merchants Bank MN See Pavel UshakovMountain America Credit Union in Utah, Idaho, Montana, Nevada, Arizona, New Mexico. 85% LTV, promo rate of 1.99%.

Schmucks…they sure made it seem like it’s a dst from their promo.

They had that quote they I posted here posted below the play window and I assumed the play window was going to be a promo video of some sort. 

Some times a HELOC can have $200 - $300 closing costs, but several are offered with no closing costs.On one HELOC I recently locked in a 1.70% 1-year fixed rate option on a promo, which would be great for a BRRRR deal.

I use Rent Spree to do the background checks.....BP offers a promo code on these.