Best places to look for a HELOC are often the small community banks and credit unions close to the property.  

Hi Alaina, welcome to the community! 

Owner occ developments there is no value associated to the income approach so these props generally speaking will appreciate a lot more as the neighborhoods are much more desirable. builders the last thing they want to do is sell to investors if they are creating owner occupied communities.. rentals degrade the neighborhood and they will be sabotaging their own values to allow a bunch of investors to buy and rent out in their communities.So when you buy new builds keep in mind if its a build to rent community they will NOT appreciate like owner occupied neighborhoods.. might be best to find something already 3 to 5 years old where the stigma of renters dies down.. that would be best to protect your investment.

Hi Don, welcome to the community! 

I'm curious to everyone else in the BP community, what does accountability mean to you?

Since you are in Scranton, you might want to consider Big Bass Lake, a community that does well in the summer.  

Maybe also consider if they are "good people" that work in the community and just want a safe place to raise their family. 

Thank you everyone for all the value each one of you brings and shares to the BP community.  

Too many people will put something like "Downtown Condo" when the guest is well aware they are already looking at downtown condos.

I would love advice from the community on this issue.