For HELOCs, I'm shopping around between BOA, Wells, PenFed, and credit unions in Nashville, where my rental is at. 

I would suggest you begin looking for financing to payoff BoA.

Ie...TD Bank, BOA, WellsFargo, etc...or is it better to deal w/ the smaller FCU's and regionals...Reading on here it seems to be pretty common...

The bank (BoA) moved the entire 13k on the price.

Feb. 2017 - one of the county in Metro Atlanta listed a 2 YEARS unpaid tax  property  belongs to BoA -Yes, Bank of America.

BOA does not always have this language in their approval letters.

I would pull out ~ 40 or 50k and put them in 6 or 9 month cds earning between 4 and 5%The key is you need to be able to make the min. payments monthly if you miss they can cancel your 0% promo rate and then youa re screwed.I actually just got a promo from BOA I can take up to 38k cash out @ 0% for 12 months with a 2% transaction fee OR I can go 18 months with a 4% transaction fee..

Chris, I don't know about your specific case but you're in a grey area of the law: last year the supreme court determined in BoA vs Caulkett that junior liens can't be stripped in a chapter 7 BK.

It's a flat 1.5x cashback card, but depending how much money you have invested with BoA, or Merrill, you can get an increase of up to 75% additional cashback which makes this a 2.625% flat cashback card which is easily the highest flat cashback on the market. 

That is the view of BO as well!