@Benjamin ReemsnyderDo you have enough equity in your home to access a HELOC?

My partner is also waiting for her HELOC money to become available in the next 2 weeks.  

I got three HELOCs, one on each house, bought 4-5 more, Then got three more Helocs.

Hello,I am trying to get a Heloc on an owner occupied 4 unit building.

Also in terms of my HELOC loan, the latest property that I just bought is in fact my home or as you can say "my primary residence". 

Banks won't do a HELOC on an investment property.

I recently got a 300k HELOC at 4% from a credit union with no problem even with a low score because they do "manual underwriting".  

Prices have appreciated to the point where there should be equity given that HELOCs were restricted to 65%LTV some years ago now. 

Andrew Campbell I'm in a somewhat similar situation, and I've visited a total of 9 local banks looking for favorable options on both the purchase and the access-the-equity parts of financing.Many people throw around portfolio loans, cross-collateralizing, seconds, HELOCs, and other stuff -- unless you're not sensitive to interest rates, I don't see how any of it will work in today's reality (in my market, at least).

We already have a HELOC on our main house, so the money from the refi would probably just pay that one down as a mortgage rate would probably be lower than the rate on our HELOC (4.5%).Thanks in advance for any feedback.Joe