So far the two best HELOC situations I have found are with Chase Bank and a very small local bank. 

You will look at 20 at different places then you walk in one store and there it is like Chevy chase’s Christmas tree on Christmas vacation with a big bright light shining on it.

This way you can structure it nicely on both sides:1) $50k is common for deals chasing retail money.

But whatever works I am chasing it.

We think it now takes 2 or 3 houses to get to the American Dream and that the first starter home is the big problem.Habitat is selling the American Dream right off the bat so equity caps trap people in place.Every model we've seen so far wants to feed people fish and trap them in a community.We are trying to create a new model based on freedom to chase the American Dreamand believe that working renters who have fed the Rich Dad Poor Dad millionaire landlordsfor decades deserve to reach for the same American Dreamand believe that all they need is a small starter homewith a bit of free financial education.All the resources and knowledge are availablethanks to the internet and mobile computing.The problem is renters' rights under capitalism.So we want to build small cheap plexes via traditional primary home bank/lender financingwith no hoops and catches, and provide free down payment, credit, income financial education to help :)

I also went to Chase and I was told there that because of my income being too high, I cannot qualify for a 3% down, only for 5% down.

You must pick one and chase that relentlessly.I am subject to shiny object syndrome myself, so I'm always fighting against it myself.

I've never had a true dream to chase until now.

True prospective leads will come to you, given good marketing, you should never chase leads (not through calling anyways). 

Everyone likes some chase eith counter offers.