Hey @Brandon Toron,Given your plan to turn the property into a short-term rental (STR), you have a few creative ways to push closer to that 90% cash-out goal, even if traditional lenders shy away from it:1. 

For $10K and a lower rate I'd be willing to consider delaying...but only if I knew that lender two was solid on closing in a relatively short timeframe.

The bank set me in at 7.1% interest (construction loan short term) This will be a side hustle for me.

The Norris Group has a hard money ADU loan, but it's short term (3 years). 

It is mostly investors in and around the atlanta metro doing everything from Short TErm Rentals to househacks to longterm rentals to fix and flip. 

Shortly thereafter, I got an email from the title company that was handling the closing of my second wholesale deal.

I think I'm in a pretty unique situation and am trying to figure out the right hoops to jump through to move forward.Long story short, I'm trying to tap into the equity of the rental property passed down from my grandparents that is held in an S-corp which is co-owned by myself, my siblings, our cousins, and an idiot uncle.

Will you use the HELOC as a short-term bridge, or plan to hold it longer?

Quote from @Miguel Del Mazo: We have 3 2/1 condos in our portfolio that attract traveling professionals (medical or otherwise) and a triplex that we essentially BRRR'd down to the studs.

A short-term rental with a stay of 7 days or less + Material participation =also non passive.