This will ultimately be determined by you as the loan guarantor and the underlying real estate collateral. 

If so you can get a conventional loan after you've been in your home for a year, turn your current home into a rental and then you'll have 2-4 rental properties and a place to lay your head at night. 

You need to find not only the right bank but also the right loan officer who understands the guidelines. 

I would like to access the cash value for property purchases down the line via loans from the company. 

My income is $70,000 annually from a W2 job and I have no outstanding debt.

lenders really want to do the loan and likely view the appraisal as more of a nuisance than anything else.

I’m active duty Air Force and got my start in REI by maxing out my VA loan benefit with three properties.

Also, how are they keeping the land purchase from impacting qualifying for construction loans??

Keep in mind HELOCs are interest only payments, adjustable rates, and will eventually turn into a fully amortized loan (usually after 3-10 years).Cash Out Refinances are great when you need the cash for long term needs or consolidating debt.

Let's say $350K, 50K down, seller financing at 6% IR with a 5 year balloon.Let's say I start to shop around and to transition from seller financing to traditional financing because I found a 5% IR, I am essentially refinancing and putting the loan on the books.