This is what I mean:House 1: 0.57acre, mostly level lot (very uncommon in my area), no neighbor to left (land is unbuildable), no home directly across, end of cul-de-sac, lake view, backs up to nature preserve, holding pond borders lot, utility easement (grass, not a dirt road) across the front and along side of property, limited to 2 car garage and driveway, sunken basement (no walkout option), plumbing rough-ins in basement.

Did the feds meet this month to provide guidance on the regs?  

Paul Klanecky:Grapes with a smug thumbs-up and a banner reading "100% mortgage financing" gets you in the door, but don't plan on walking out with one of those mortgages :)I see they are still/again advertising 100% financing on personal homes - a practice the Feds supposedly brought to an end in the past two years.

On Top of The World (senior community) is currently 6 months behind in building homes under contract and we have a Fed Ex hub in town and Amazon about to open their warehouse with more large companies coming in to the area. 

Just less grass to cut .

While you are out driving around look for those vacant houses with the long grass and shabby bushes and research those. 

Yes, have been to Memphis several times and have a friend available for occasional spot checks to make sure the houses look good from the street (no cars on blocks on the grass, etc...).

I've done some research on local banks that offer HELOCs in San Diego and seems like the best options may be either Mission Fed, SDCCU, or US Bank:https://www.missionfed.com/Home-Equity-Line-of-Credithttps://www.sdccu.com/CURates/EquityLineandLoanRates.pdfhttps://www.usbank.com/home-loans/home-equity/home-equity-line-of-credit.htmlDoes anyone have any advise on which option to proceed with (either based on numbers or personal experience in SD) or another local option that I'm missing?

HELOCs are tied to fed funds rate, and as others have mentioned, there will likely be another rate hike in Feb.

A closed mouth doesnt get fed....so f that guy2.