I have to think most of these folks have bought a primary home you don't amass the kind of cash these investors have with out some sort of success in your business life or work life.  

Maybe you're in limbo renting for a year while the primary residence gets built.

That’s our primary method of communication so it works.

.- Primary markets are India, China, South east Asian countries.

Most primary residence lenders are not going to lend in second position for a purchase.

Flips can be significantly different depending on if you meet the IRS requirements for the property to be considered a Primary Residence vs.

What these $20 - 40k “mentorship’s” sell is a SHORTCUT, but it does NOT work because the PRIMARY real estate education and knowledge MUST be there in order to be able to implement and strategy or tactic correctly, at the correct time, and under the correct conditions.  

DSCR loans are widely available to first time investors, but they are considered business purpose loans and you will be required to sign documents stating that neither you nor any family member will occupy the property as your or their primary residence as long as that loan is in place. 

That being said, if this is a Heloc for an investment property and not your primary residence, most banks and CU's treat these as commercial LoCs, so the rate is likely be 9-12%.

how long have you owned it and was it ever your primary residence?