Most purposes that people on the BP forums are transferring properties to an LLC, would be exempt of the Due On Sale Clause. 

I apologize if it comes off as rude, but I really just want to drive the point home. 

You came to the right place for information, Kemi! 

The rates are higher but the terms are great. 

Income reserves in excess of 6 months living expenses, no consumer debts, leveraged mortgages with no payment coming out of pocket.

The amount of equity I call pull is less than the cash I have but not significantly less.When doing this analysis it struck me that it may not be worth using a HELOC for the simple fact that the interest rate is ~9%* while the funds in my high yield account are only yielding ~5%*.

Quote from @Maurice Nkonsissie: HelloMy name is Maurice, I live in the greater DMV area.

The Raymond St deal came through local market research and networking.

I went to sign up on the advice of a friend and realized I had signed up 11 years ago and never used the site.

I have the rental properties insured with a variety of lenders and no issues with putting all of them under the umbrella policy.