@James ManchusAs @Paul Smythe just said, it does depend all on the area.

 A lot of banks go to 95% like Navy Federal or penfed and various other CU's.TCF like Paul mentioned is not a fixed or closed end second like you said you were looking for its a HELOC which is considered an open ended loan since its a line of credit and can be used, paid down, and reused/ "open."

My name is Paul D. and my wife (Nitza) and I just recently have returned to the States as we have been living the last +3 years in Yangon, Myanmar and also have been spending time in our home in Ecuador.Now that we are back in The Woodlands/Conroe area near Houston we are looking to get are current real estate investments in order (three single family homes in this area) as they have been rented the last +3 years and we are looking at utilizing the equity we have in these properties so we can invest and buy/sell more properties.

Based on comments and locations, I'd propose we do a meeting in Quincy with the following: @Justin Snyder @Patrick Wheeler @Paul Lombardi @Zachary Clough @Bruno C.

-Paul

I do not have any units in this area either but I have been researching the area and I'd have to agree with @Zachary Paul.

Hey Paul.

That will help you get started in investing with smaller down payment requirements since it will be owner occupied  Enjoy,Paul

You can start with zeus mortgage, call Paul or Lindsey.  

Hello, My name is Paul.