I work with a lender that allows that as long as we can document some explanation that the borrower doesnt plan on occupying the home as a primary residence.

Capital gains tax applies when you sell an asset for more than its adjusted basis, not when you borrow against it.

The way to get the payments the lowest is always tied to amount financed, and cost of borrowing.

@Kyle SouzaDepending on the capital you are trying to borrower will determine how you may qualify. 

I normally go into a deal telling a borrower to expect 70% LTV and then if the appraisal comes back suburban then we can bump up leverage. 80% LTV is typical in suburban areas and 70% is typical in rural areas for DSCR lenders.

The government is borrowing money from the fed, money that is continually becoming worth less.

Just a standard borrower hardship form.

But Banks only fund the very well qualified generally no way a beginner is getting bank financing unless your basically borrowing your own money. 5.

Borrow the money interest free and compound onAs always DYOR and talk with your CPA.Melanie:  Yours is a good explanation.

HELOANs typically make sense on situations where the borrower is using the funds as a downpayment for a rental property.