They will not release the final retention of 10% until the project is complete. 

A DSCR loan?

Yesterday on 7/6/24 was their final day as they let us know the property was vacated.

Insurance and interest make it difficult for the traditional lenders to loan to us even though we can afford the payment, but to them since we deduct a lot of things on our taxes, we don't look to be cash flowing.

Wells Fargo conventional loan with a 25% down payment.

My scores improve by getting utilization under 78% and then 66% followed by 48%, and finally 29%. 

We are excited to put this together and your input gives us confidence we can finalize this deal with sound legal backing.

I'll drop a link to schedule a call down below if you would like to discuss the HELOC situation further, as I am a licensed loan officer. https://calendly.com/tycoutts

You can leave your old home loan alone.  

Don't give up keep chasing your money because chances are when you finally get paid it will hurt them more.