A HELOC is essentially as good as cash.And while you could use your HELOC as the 20% and get a loan for 80%, the only issue would be typically for any type of investor special properties you need to come in with cash. 

I my search, I have found that these lenders do investment property HELOCs.TrustcoUS BankTD BankPenFedUnion Bank, specializes in noo HELOCArvest BankGot the information for you.

Am also working with an agent that specializes in short sales in case an opportunity there becomes available. 

In sure they’ll get a bail out specially that some of them were just barely making some money and expanding routes internationally.

I've spent many years specializing in investment properties so that when the market turns like this, I'll still have a strong client base, so I think we'll be fine through this mess.

Anyway, I already decided I will go to the local fair housing office or an attorney specializing in this.That does not mean informed discussion is not welcome on this thread.

Welcome @Brandon Smith,I am new to the BP family as well, but I am a Licensed Architect in Chicago and have specialized in residential construction (New construction and remodeling) over the past 6 years, and plan to embark into the real estate investment world in the near future.

Title will be on both of us, morgage only on me.3) 31 years old4) a stable job at a large corporation that I started 6 months ago: $159k base salary+10% bonus+$15k special bonus+$16k in stock for next 4 years (vested annually); good health insurance5) $10k car loan6) no other debt7) pregnant wife (1 child coming soon)8) wife is a university student and still has 2 more years; $16k in annual tuition.

You can supplement your current income with real estate related jobs/tasks so you learn more about the industry, which will be helpful when you look to borrow since you will be able to show that you have experience to a lender.

If you are having an issue with your mortgage lender you can file a complaint with their Consumer Advocacy and Response Division.Defending Against Mortgage Foreclosures in Massachusetts, Michael Pill, October 2010This 27-page supplement to Mass.