If your income is strong and taxes are accurately reported, you have a shot. 90% of investors write off more than they make so this upside down calculation is what causes the average person to qualify for HELOCs.

There are only three instances where it makes sense to buy solar panels for your house.1 - You are living off grid. 2 - You live in a state that has sky high electric costs AND great tax insensitive.3 - You have lots of money, don't care if you are paying more, and want to feel like you are saving the planet (even though you really are not). 

Also with the right insurance you can take guests off Airbnb if they'd like to extend their stay or come back in the future. 

If I did not report expense for my 2023 tax, how would I write off my huge expense (~20K) for my future profit then?

It takes less than 30 seconds to take the arm off and the glass/junk filter out of the dishwasher.

I believe the most common path is to use cash, private, or hard money, and then to refi into something traditional once the work is done.Sorry I was 1% off.

If an investment property, there non-warrantable DSCR loan options.Some details:Loans available for purchase, rate and term refinance (no cash out) and cash-out refinanceCredits score down to 620LTV are up to 75% for purchase and 70% for cash out.Rate buydown feature available.DSCR (lower of gross rent lease or Form 1007/216 rent divided by PITIA) as low as 1.0x.For experienced investors (one year of investor experience and own home), short term rentals can be structured off of 12 month short term rental history with 20% expense factor.

We’re not talking about getting in shape so we can wear tight shirts and show off  our body.

I'm sure there are other strategies available and would greatly appreciate all insight others are using to pay off and reuse their HELOCs.

I am new to this and off the rip I have two appointments scheduled.