I have two roommates in one of the units, both of whom are in the military.

Maybe you want to try a local credit union and title company to save on fees?

**Credit Unions or Local Banks**: Smaller financial institutions like credit unions or regional banks might be more open to taking a second position, especially if you have a good relationship with them.3.

Columbus has some strong dynamics…cheap prices, 3 F500 companies, military, hospital, kayaking enthusiasts, Kia car plant.It has as many bad parts as good, so do your research, but I do believe if it is just about the investment, there’s some money to be made there

It's also less than 2 miles from the Rippon VRE station and in between two military bases.

@Jennifer Katherine De Loughy- probably not ....try reaching out to local bank / credit unions  that are close to the property ...try reaching out to any bank connections you have ....you might find a lender that's willing to  cross collateralize  it with your home 

Please help me find a bank, credit union, etc that will let me use 100% of my equity on an investment property for an interest only HELOC.

Would anyone have any recs on location banks, credit unions, etc that would look at a deal like this?

**Local Credit Unions & Regional Banks**: Many local financial institutions in South Carolina offer investor-friendly loan products and might be more flexible with terms for a cash-out refi.

You should be able to shop local lenders and credit unions and get a much lower amount of cash out of pocket while still achieving your goal of 75% or even 80% LTV on a commercial note.