LTV's range from 75-85% depending on your experience and credit score, and are offered in 30 year fixed terms.

We likely would not qualify for a conventional loan because husband’s credit score needs some love, and my DTI alone would be too high (our personal home mortgage is under my name).

Incredible scale, tell us (ME) your secret!

Credit score is between 703-728 or so.

I agree that the current environment is incredibly inefficient and ripe for disruption, but just because something is different doesn't mean it's smart or that it will work.

If you're a new investor your credit score will be a big factor as well.

While my credit is really good at around 790, I've been getting a lot of "factual data" inquiries lately from banks I have existing loans with, and I feel its starting to bring my score down.I'm looking for recommendations/help on a lender that will approve me for this heloc based on the info provided above, and give me 80-90% of appraisal, and not what I paid for the property, (a rehab) before I invested any money into it...

Thankfully we had a contractor that friends of ours had used to do similar work, so we were incredibly lucky for that, meaning there was some trust in the contractor from the get-go, translating to less stress.The housing market explode over the course of the rehab, which drove home prices up higher than we expected.

My credit score is in the 700s.

I have $100k in liquid assets, a good debt:equity, and solid credit score.