It is not unusual to find those construction management fees plus their holding on your draw. 

A number of people have posted that they are seeking a lender who will do a 90% HELOC, so one that offers 100% is unusual. 

If you were holding for retirement and were a local investor you might could bend on a few items.I think the corporate as another poster said being more flexible is about volume.

The other took a different approach and said to hire an attorney in the local county to get a temporary restraining order in place against the insurance requirement; then the lender would have to prove the basis of their highly unusual requirement. 

I live in Central Oregon, Bend to be exact, and I am absolutely in love with this area.

I have an unusual land listing in the Berkeley Hills that my client is considering selling at auction. 

I also own a 20 unit in South Bend, IN.

For example, the numbers in South Bend Indiana are skewed because everyone there only lists on the weekends and they charge sky-high prices for the football games.

Just the sleep dep talking I guess, combined with a rough year in landlording paradise with an unusual amount of churn as well as unexpected cap ex: a gnarly eviction, a tenant that OD'd in a unit, a hailstorm that trashed a $30k roof, another hail storm that did a lot of random damage with hail chunks a tenant described as being cauliflower head/cannonball sized which broke a solid oak deck handrail among many other things on the property, a sewer line that needed to be replaced which required jack hammering up the slab in a kitchen I had just finished fully remodeling, plus the new baby and the two other babies it's been quite a long year already so far.

If we're a good match, we can bend...