The best option for me, in terms of getting generous private college financial aid, not to have any home equity at all.

Are these loans specific to credit unions only, or are private lenders and portfolio lenders doing them as well?

I'd turn that 100K into $7-8K of income to me annually and never pay the tax.I'll reach out privately if you'd like to discuss more in depth.

I am in contact with someone from their bank and want to check here first before doing anything.On that same note, I'm looking to connect with 2 private money lenders just to network and see how that side of the business goes, and possibly use for a deal that I have going now,and for future deals. 

In particular, it seems like working with a private lender / hard money lender with a short term loan for the course of the flip might do the trick. 

if so, you can also direct msg me and I can send you my email. 

This is a sample and part of the full analysis that I do when preparing executive summaries for raising private money, so if you need more detail than what's provided just let me know. 

Send me an email.

For this I suggest that you send me a private message to let you know about some information that may be of your interest .Best regards,Diogo

i suggest go to a branch, ask to be seen by a private client or branch manager. show them ur wells statement and ask what they can offer.