Hi Andrew, There's no wrong answer and it certainly depends on your personal life situation and future goals.

I may have even had them on board from the start depending on how difficult the process appeared to be initially.

There's alot of knowledge to be learned, BP has alot, plus there's an immense amount of information on the internet. 

@Kristine O. depends on demand!

It depends on Johnny's tax rate, and how much employment income he already has. 

@Jeremy Pace @Peter MckernanIt depends on how the trust is written. 

It all depends on the lender and their terms. 

We have filed jointly and separately, depending on which way our taxes are the lowest.

If no, 20-30% down is common for conventional and DSCR loans depending on lender.

I think that it depends on the closing date and how long it will take the HELOC to close, I know that if I could go back, I would have done a HELOC a long time ago, it can be a great asset to build you portfolio and if I were you and I had the option, I would doi it regardless of the outcome of this next deal.