@Jeff Plotkin all do respect this mistake is on you.

This is an IRA like any other with respect to the tax code.  

We have architectural and  structural renderings in place, completed pro forma and building plans from most experienced and respected builder group in the 30A area, development orders issued by the county, and profit projections with a very wide profit margin cushion even if there is an unexpected market downturn.  

It was my first and an agent I respected purchased the home two down.

The best options for HELOCs are:https://www.figure.com/affilia...https://www.bankofamerica.com/...https://www.penfed.org/home-eq...As for a cash-out refi, you should compare the rates on the refi and HELOC respectively.

@Maya GorskiMost of the agents will drop you, as their drop other out of state or out of country investors.They think, wrongly, that you will lose their time if they need to explain things, send referrals, help build your real estate business in their state.They think, wrongly, that they are the best and deserve buyers that will close same day, will buy without checking and bla bla bla.They think, wrongly, that you will never buy.Now, there are buyers that are very heavy to work with, and they will probably never buy.But there are many other buyers that want to buy, have the money and just need guidance and patience.All these agents that don’t return calls or emails are the fortune of smart agents that deal with each client as a potential buyer and with respect.

Earn their respect and they’ll work with you in anyway you need.

There are plenty of avenues of REI that all have their respective pros/cons.

Make sure you weigh the positives and negatives for your respective area.

Maybe you can find someone respectful to share your home.