9 states in the Union that do not allow you to separate spousal debt when applying for a loan.

Another way to look at it is to see how long it would take to pay off the loan if you refinanced and applied your savings to the loan. 

I applied to other banks also.

I was told I could refinance my house (no cash out) and then apply for a HELOC.

That and I probably got every known cold virus during my undergraduate years at Penn State Erie so my immune system is ballin' with virus DNA.Things we should worry more about: GMOs, Roundup, mosquitoes, a government drowning in debt and printing more money, fluoride in the water, 5G, bad landlord laws, worrying where our food comes from. 

The most helpful book I’ve read so far has been Never Split the difference by Chris Voss, not real estate specific, but I applied it to REI as well as my job, and it was huge on my last offer.

I'm assuming the same applies in other states.

1st lien holder needs to apply for surplus with the clerk of court.

I've read other posts about it which makes me think it only applied to refinancing or cashing out of a property you just purchased.  

I am looking to invest in my first - hopefully of many - Short Term Vacation Rental along the east coast (North Carolina, South Carolina, Georgia, and Florida).I've found through research that STR Regulations are inevitable due to pressure applied from large hotel corporations.