I own a commercial property that I still have a note on.

We have already had the property zoned commercial. 

She mentioned a commercial policy or getting a second umbrella policy under another carrier? 

A commercial loan is typically 70% LTV and with a $70,000 appraisal you would be able to refinance at $49,000 on each property.

If the property is solely tenant occupied you will be looking for a Dwelling/Fire Policy (may be called a Landlord policy or similar name) or a commercial policy such as a Business-owners or Package policy.Most Homeowners or Dwelling/Fire policies include:1.

I think it was only line of credit like a mortgageHELOC = home equity LOC, which means securedby your home as a primary residence.Mortgage or othe type of loans can be done on investments, but I'm not a lender.Ask @Chris Mason  Local regional banks and commercial banks will do HELOCs on investment properties.

What you're reading usually has to do with commercial loans.

This is a commercial property and not a primary residence so how does the capital gains play a part here?

The constant issue I have is unlocking & accessing this equity, preferably through an equity line of credit.

Hey BP community: I'll soon begin a rehab on a commercial property in DC.