HELOC, or some other loan? 

Current home value: $523,000Amount owe: $263,000Equity: $259,000Interest rate/loan: 2.25%/30 yearobviously refinancing would be a hit with that interest rate, considering either selling or HELOC and investing into multi fam via house hacking. 

But if this remains your primary you can take out up to 90% CLTV using a HELOC.

-Will activate heloc, seasoned the funds 3 months in external account, then go buy more properties.Overall need clarity on best way to fulfill these Business / Personal status/goals moving forward.While I hopefully build a relationship with some of you and get some answers, I am actively moving forward with the personal side of things and get the ball rolling on the heloc.Just need the categories I can run own accounts and hand over organized expenses, etc. what ever makes it smoother for the CPA.

and, if you're borrowing a 25% down payment with a HELOC at 9-13% interest, and using a loan at 6-8% for the balance... that is very, very expensive. 

Doubt I want a HELOC because I can't pay it back right away -plus I technically don't qualify.

There are a ton of options out there for HELOC's on investments properties.

Hello Everyone,I purchased my NACA home more than 5 years ago, and I obtained a HELOC on my home last year.The financial institution that approved and funded my HELOC was fully aware of the NACA Lien on my home and continued with the process either way.Also, I am not in violation of the occupancy requirements.What would NACA's actions be?

A HELOC for example is a common example of this.

They have no income, so they can't refi or HELOC to use their equity for their personal expense.