Fortunately, I was in touch with all subs so  we changed where I took control of paying subs directly and paying In his presence and ultimately taking over general contracting and telling subs to finish the job and wait for payment till I get my draws from bank (blame it on bank).  

I bought he property about 20 years ago for 300k The property might appraise for about 500k from a bank but similar properties are listed in the immediate area and have sold for about 1 million.  

Most banks will loan up to 80% of appraised value or purchase price.

The use of the personal loan was invaluable because I could realistically make all cash offers because the money was sitting in my bank account.

The bank isn't going to review the HELOC for 10 years so I think we'll have access to the same amount for the whole time.

A bank representative has said my ex wife's name is somehow still tied to perhaps the deed.

We have always dealt with realtors, appraiser, insurance, title companies and big banks.

Also, If you get a good quality tenant they will pay direct to your bank account or mail you a check monthly.

(Your loan was for a flip, and presumably for a business purpose, which means the San Francisco Federal Reserve bank rate also plays into this.

Banks will not refinance if I have bad credit.