I asked the seller about these issues and he denied having any prior knowledge. 

Does FNMA care that part of my cash will be coming from the HELOC (i.e. deny me for this?).

I'm in a good financial position to make a move on some of these properties, but unfortunately I'm new to real estate investing (thus denying me the history that some lenders may want), I'm also not at the point where I'm eyeing multi-million dollar properties just yet (let's hope that can become a thing in the future)!  

However, if there are disputes or you have been denied credit you are entitled to a free copy of your credit report.

I am going to be denied across the board for the refi when they see my 400k mortgage debt and can't take husbands income into account.

We recently went to a large bank (PNC) to get a HELOC to buy more homes, but they denied us, saying that we couldn't get one, since they were investment properties.

If you had HOi as a owner occupant and your tenant burned your house down (and it was found that you weren't occupying the property, they could deny a claim..

I have started calling other bank if they would finance this deal if the first bank denies my loan.

Just got news IHDA grant is being denied because the HOA is running an overall deficit.

She told me that she is on Section 8 and with all of the horror stories out there, everyone I tell says to deny her right now.