We offer both from a variety of outlets(and on investment properties which is rare), here's some examples of how recent clients have used a CES/HELOC for both long and short term purposes.That all said, for your purposes I'd want to dive deeper into your plans to repay before advising one way or another.

I definitely planned on being upfront and maybe even offering discounts.  

We're passionate about taking care of peoples investment properties as if they were our own. 

As of right now my plan is just to learn as much as I can so then eventually I can start investing.

I'm planning to build one of the preapproved ADU plans provided by the city of Sacramento in my backyard (using a an owner-build permit).

There are also mortgages that exist that do not care about your credit.  

Your plan is to be worth nothing so if you get sued you only lose the property.

Hello everyone, I am selling an apartment building in California using a 1031 exchange (to buy property in the Midwest) and am wondering if I can use my passive loss carryovers and disallowed losses for that property to offset any boot because I am planning to use the cash pullout as reserves or repair money for when the replacement property is vacant. 

The reason for this is because things will come up and it will require cash or some financing to take care of it.

Some scoff at this, I dont care, but like a hotel, nobody gets in without ID