In fact, there was just a post on here the other day about it: Wells Fargo suspends new application for HELOC.It would also depend on whether this duplex is an investment property, and - if so - how much LTV that $100k equity represents. 

This is what he said "That amount represents the replacement of damaged decking that could not be included, as a total cost, until the damaged and worn roofing materials were removed to expose the decking material.

Having previously been on staff in the State Senate, I can say that nothing works better than being a voting constituent in district to whose representative you complain to.

I represented the family as their buyer's agent when this condo was purchased a year ago.

In this case, you are only paying 3% because the agent already represents you and the buyer is in place.

Also remember we can all advocate to our representatives and senators to lobby for our interests. 

Typically there's insufficient data of that sort, for stuff like this, an an appraiser toeing the party line might say "whelp if there aren't enough homes selling with sheds, that represents a lack of demand for the feature in this market." 

Thank you Tim, I have done a little more digging and the attorney states the hold the first lien position representing one client, but also emphasized that the property is sold as is and is the buyers responsibility to do their own due diligence.

Personal networks, I represented myself.

That's paid for equity, and equity is just a form of cash that is temporarily dead.4 - New equity, that comes from YOUR TENANT paying down you mortgage, and appreciation, is free.5 - Your paid for equity has a true value of $5 for every $1 of cash you put in, which is represented by the 20% DP.