These types of investors are always looking for the new hungry agent that they can run through their meat grinder.

However, HELOCs are just a product of the individual lenders that offer them. 

Milk and eggs seem to be readily available again but a couple days ago when I was in Aldi, they had no meats or breads of any kind.

@Amanda Anderly cash out refi's are great, if you have a way to use that money productively. 

I do like the larger buildings (5+ Units) but local lenders are typically offering 5 year adjustable rate products. 

@Nicolas Dib De Castro This makes no sense for me at the moment.

We just don't know and that is risk which is unprecedented and hard to quantify for me at this point.

Lately, they assigned a private banker to me at the local branch.

I started my investing in Fort Worth and a number of my flips were in older neighborhoods near downtown where I could add a master suite for about $105-$110 a square foot, and have the finished product selling for over $200 a square foot.There seem to be plenty of small 600-800 sq ft bungalow style homes near downtown Raleigh and downtown Durham that would be perfect for this.

The only way to know that is by a letter from the city/county and or a rebuild letter that states the subject (specifically) was grandfathered into current zoning, what was allowed on the property and that it can rebuild if damaged or destroyed.”Circling back to our initial conversation, I can assure you that we will be able to refinance this property, however, the term length and loan product simply depends on the use type at the time of refinance:· If permitted as a triplex (or grandfathered in): we will be able to offer the 30 year rental product.