There are definitely banks that are more conservative, so you may run into a lot of places that tell you one year.

It's a done deal now, just wondering if you think the deal is fair/in-line with market for both parties.Property is a rural SFR that became bank-owned, squatters moved in, and trashed the place completely.

Or will the bank call it due?

Fortunately, I was in touch with all subs so  we changed where I took control of paying subs directly and paying In his presence and ultimately taking over general contracting and telling subs to finish the job and wait for payment till I get my draws from bank (blame it on bank).  

I bought he property about 20 years ago for 300k The property might appraise for about 500k from a bank but similar properties are listed in the immediate area and have sold for about 1 million.  

Most banks will loan up to 80% of appraised value or purchase price.

The use of the personal loan was invaluable because I could realistically make all cash offers because the money was sitting in my bank account.

The bank isn't going to review the HELOC for 10 years so I think we'll have access to the same amount for the whole time.

A bank representative has said my ex wife's name is somehow still tied to perhaps the deed.

We have always dealt with realtors, appraiser, insurance, title companies and big banks.