Hey HarryMuch of that will depend on whether you are looking to refi into a secondary market loan (fannie mae/freddie mac) or onto a bank's portfolio. 

But as I said, you aren't going to overcome that fannie mae limit that you have since you're already at 10.

That's what those Fannie Mae & Freddy Mac guidelines are all about.

@Kevin Macdonald - you want a 30-year fixed rate loan, and lenders generally will follow Fannie Mae guidelines (in order to sell the loan on the secondary market).

I believe HARP only applies to those mortgages held my Fannie Mae of Freddie Mac.

I did a pre-auction bid for $44k total and Fannie Mae accepted.I thought this was a good cash flowing property at $69k but I could not finance it due to a zoning issue (zoned industrial but it's a house with a metal building on the property).

HELOC's are just a product of the individual banks that offer them, so they can essentially make up their own rules (unlike conventional conforming mortgages that have to conform to the guidelines established by Fannie Mae and Freddie Mac).I have a couple HELOC's myself on investment properties, and in doing my research I found that most banks want you to be on title for at least 6 months before they'll do a HELOC. 

Hi all,I’ve been watching a house in my local area that was in Fannie Mae HomePath site for over a month.

I attached a link to Fannie Mae's guidelines regarding trade lines. 

From the latest, 5/1/18 Fannie Mae Selling Guide, page 251 and 252: