Most of them max out at a combined ltv of 80% on helocs.

Big fingers and iPhones are not a great combination.  :-)

I'm looking at a deal that would combine these two methods but I'm unsure if a HML or PL would do the deal as they would have the second lien position.  

Finally bought two that cash flow 180 bucks combined.

Worth every penny I paidYou can scan with itYou can append or prepend new scans to an existing documentyou can combine individual documents into a single pdf with just a couple of clicksIt "remembers" the folder you are currently working in.  

I think if you are in a higher price point and you have a more upgraded cabinet/kitchen you can get away without it if that is the clean modern style you are going for.  

Possibly a combination of the two?  

4- with tech roomies, usually combined income is no problem.

He and his wife make over 100K with a combined credit score of 680 but needs $75,000 ($39,000 to purchase the home and the remainder to move it to their property and hook it up).

There could be money, family, life, and/or drug issues that come into play or any combination of them.