Does anyone know a lender that will do a HELOC 85 or 90ltv in NY on a second home (owner occupied not an investment property) greater than 500k.

I would forget that play it simply is not legal in  most scenarios IE you dont have the license to do it.. you need MLO and NMLS registartion to do any owner occ.. now if its non owner occ thats another story.

After you speak to 3-4 lenders, the remaining 10-12 should be easier as you'll know the language more specifically.

If it's a family style single family home or multifamily unit, unfurnished, in non-core areas, the timing doesn't really matter as most likely your tenants a re locals who can relocate at any time regardless of the season. 

I am going to reach out to several lenders who can steer me in the right direction.

Are investors just looking to develop relationships with their private lenders and hard money lenders for larger rehab projects down the road?

Seller financing and ITIN lending seems to be the norm in this area due to buyers in lacking the ability to use traditional financing (usually because they don’t have social numbers).My question does anyone have any guidance around structuring a seller financing deal for a home that was recently rehabbed using a hard money lender? 

I didn't think it's a problem, anthill one of the lenders told me that he pass because of that, so I wanted to hear more opinions. 

Always good to ask your lender.

- A lender that can connect you with a potential rock star agent or other core 4 members