I do see the bad pattern of behavior HELOC after HELOC and credit cards galore for shopping from the old days.

What I would do though is looking to get a HELOC on my primary property and use that cash to purchase more properties that would give me $1000 a month CF.

Can anyone recommend somewhere that does HELOC on primary homes for Self Employed Individual ?

I'm seeking out personal loans and a HELOC to help make up the difference between my savings account and the expected acquisition price.

Just know that if the property you intend to get the HELOC on is a rental property, there are far fewer lenders that offer HELOCs on rental properties. 

Why not take out a HELOC instead and use that to buy another property or two?

How much more cash flow should I have above HELOC?

I have yet to see lenders that are willing to do a HELOC on an investment property and I am very surprised you were able to find some that did them in the past.

It rents for $3000 every month, and with an appraised value of $375,000 we refinanced using a 1st Lien Position HELOC strategy to pay down the balance MUCH faster while have equity accessible to take advantage of opportunities.

I currently do not owe a house, but my parents have thought about doing a HELOC (home equity line of credit) to help me buy a side-by-side duplex.