Are you talking about Home Equity Line of credit (HELOC)?

If I'm over the 80%LTV on the refi  I will have to bring a minimal amount of cash to closing which I will be using a HELOC to accomplish.  

I then cashed in my IRA, got a HELOC on my house, and made the decision to just jump in and figure it all out.I’ve told many people that I probably bit off more than I should have on my first property, but looking back now, I wouldn’t have it any other way.

I was able to buy the house with $30k instant equity, 5% down conventional 30 year mortgage and immediately get a $20k HELOC out of the new house, which I still use to this day to fund my investing.  

I'm not sure if banks do HELOCs on co-ops, but it wouldn't hurt to look into it.

The other day we met with the bank to figure out the loan situation since we don't have the capital just yet and obviously the bank was pushing for a HELOC because it's less risky for them; however we don't have the equity for that and none of our family members are willing to do that for us.

@Patrick Rowe You can't use a HELOC?

Account Closed The better way to access your equity from your primary is to get a HELOC.

Owner takes out a HELOC

Even on a HELOC the most they might do is reduce your line if you wind up going over 80% LTV/CLTV (80% being de rigueur for HELOCs)20% LTV is different still... that would be in the lines of a 20k loan on a 100k property implying you have 80% equity.