More specifically, they are worried that the appraisers won't give full credit for the upgrades, and will not / may not look outside of the development to find comps (even though the others are less than a mile away).  

My only two options would be another HELOC or a fixed 15 yr equity loan at around 9% interest.Am I missing something or is it just my bank (Navy Federal Credit Union)Thanks,Mike

House Flippers Caused the US Housing Market Crash.It suggests that it was not subprime borrowers with bad credit who caused the crash, but investors, based on the fact that the great expansion of credit happened with people who had good to excellent credit.What do you think about this argument?  

We heard that a credit union or community bank is more likely to work with investors as they are more flexible.

You're trying to fast track equity/savings by letting others pay down your debt. 

I have good credit and have been on my job for 7 years.

Alex, one of the key assumptions your blog friend makes about dividend growth investing is the past track record of rising dividends will continue.

Things like lines of credit etc.

@Luis AguilarThat may be true, depending on where your credit score stands now.

I get keeping track of the material costs, etc, for tax purposes, but what about my labor costs.