They must be confident in the fact they will get a solid reference. 

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 @Jaycee Greene definitely some questions I will ask my self thank you !

He did a book for Bigger Pockets, but by large Bigger Pockets is not so pro Sub2 so not sure why they allowed this other than he is an expert at self promotions, etc..

But again, this is to pay less when needed not pay it super fast.You also need to be mindful that most HELOCs are variable rates, so you need to be confidant in your cash flow to make sure it's paid on schedule to avoid getting shafted in the future.Lastly, a final benefit to the HELOC is because they only require an interest only payment, that is all they report to the CB.

Thank you  Using a LOC on your primary residence can work well for flips if the terms are favorable and you’re confident in managing projects efficiently.

I am a very communal, tribe before self type of person even when I have such little to give I offer what I have for the good of the team.

While I haven’t invested in NYC specifically, I can share a bit of perspective: For a 3-year timeline, buying can make sense if you’re confident in the market’s appreciation and can find a condo with flexibility for renting it out later.

And what your prior occupation was/is  do you have monthly retirement pay from a W 2.Or are you self employed your whole life and the only one that is going to help you in retirement is yourself.. ??? 

Remember, the notion of amassing wealth without investing is a dangerous myth perpetuated by self-proclaimed experts.