If the prime rate was to climb a few points, I am willing to bet all the banks will jump back on board.I have not had a problem with my HELOC from my credit union to date (knock on wood) and they seem to have the lowest rates, lowest fees ($0), and the simplest approval process.

Supplies are limited and you MUST RESPOND NOW!!!!

Tim - I'll bet your Dad taught you the meaning of real work, something far too many don't know much about.....

Based on your posts, I bet you'll have a lot to offer to the forum!

Nathan, I would be cautious about buying 1bd. rental units, limited to singles and couples without children, difficult to keep rented in my market.

If the current tenant damaged the carpet, then I would definitely subtract it from his deposit and that would certainly not be limited to a cleaning fee.Mike

You don't have any down payment on a refi, but you are limited to a specific LTV (loan to value.)

You don't say what your balance on the current loan is, but HELOCs are drying up as lenders as afraid prices are going to continue to decline.Cash out refis on investment property are limited to about 70% LTV.

YEAH BET GOING TO THE LOCAL REA WOULD BE A START, HUH?

In summary, that would be a great time to buy these stocks.With the (limited) knowledge I have on stocks, these are the stocks in my virtual trading (like a Play Money Poker!)