A few days ago, I told you that your letter of intent or offer is probably based on what kind of person they are.

Credit Unions can be great but you're at the mercy of their individual guidlelines and old school Underwriting "gut checks".We(Lower.com), offer HELOCs on investment properties and 2nd homes, we go off of the "Agency Definition" of a 2nd home which is "occupied for some portion of the year".

Yes, it offers a low barrier to entry and high cash flow!

We made our offer on a small home that needs to be rehabbed in a small rural community south of Rochester and it was accepted ($55,000).

Offering a good company one unit is nothing to them so your options are slim.

Especially if you have a US address and there is a US LLC, but either way an investor loan (Debt-Service) would be typical depending on a bit more details. 

Could you offer a mentor some tips?

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@Jerome Thompson you don't need 20% equity to take out a HELOC (usually beneficial though), but you do typically need to be in your house 6+ months before you can get one.What is your current financial situation?

Partially because we are fairly content with where we are at, but also because the market isn’t offering up great deals right now that we want to invest in.