Most bankers can run live pricing to help you make a final decision without having to have your credit pulled several times or fill out a dozen applications and submit docs!

I’ve just heard horror stories from landlords and I’m looking for suggestions on how to best vet tenants - Good credit, no missed rental payments in last 5 years, etc.

Best places to look for a HELOC are often the small community banks and credit unions close to the property.  

Im self employed, roughly make $130k gross anually, 1099 NEC , no debt at all, 740 credit score. 

Terrible idea, but knock yourself out.

The Retainer Fee is credited towards whatever they buy from us in the 90 days, so in effect, costs them nothing.Note: we're not doing this to make money, but to avoid the time-wasters.

It is easy for people to download fake W2s, ESA paperwork, etc, with a few mouse clicks and a credit card. 

Also helping was a relationship with that bank (deposit accounts) and good credit. 

While I do not have an official W-2 currently, I do have a steady income, great credit, and have money saved as well from working since I was 13 years old.I relate to Ian Kay in his journey but also am very determined to make my goals/dreams a reality this year by July 2025.

Dedicate one checking account and credit card exclusively to real estate.