I can’t find anyone who will do a second on the rental anyway, I have found a HELOC — I was debating at least shifting the construction loan over to the rental, but at 5% that still seems like a wash.I’m open to doing another rental property, I just don’t know if I’m stuck because of how low the rental mortgage rate is, and with how much it cash flows — I may not be able to improve much on that situation.My wife and I both work full time, and I have a part time second job to make it all work.  

We bought our first duplex in 2016 with 100% financing (mortgage + heloc for downpayment) and are making great cash flow on it 8 years later. 

It’s a straightforward way to access the funds, though keep in mind that interest rates may be higher since it’s a rental.Alternatively, you can consider a HELOC (Home Equity Line of Credit), which gives you flexibility by letting you borrow against the equity as needed, similar to a line of credit.

I want to use the equity in my CA home for the downpayment"me: "gasp" there was very popular post a few years back and LA based investor took out a large HELOC on their personal residence so they could buy 8 units in a mid west city.. that he admitted were D class and on paper the cash flow was huge etc etc.. 

May I know what lender or banks for HELOC do you use for home equity line of credit or equity line of credit on rental properties?

It would be helpful to see the rates on both the purchase and the HELOC. 

I am considering getting a HELOC to pull 75-100k for a 25% downpayment on a rental property. 

Take out a HELOC on it and rent it out.

I have had to take my rentals out of my LLC's to acquire a second on one rental and a HELOC on another. 

Lenders WILL allow a secured loan ( like a second mortgage, HELOC, Cash out refi loan).