The quick, easy and top dollar belong to updated, clean properties in good repair that are tidy and furnished tastefully and available for move in in 30-45 days.

If they won't approve you for the maximum HELOC you could possibly get, tell them you'll shop elsewhere.It is reason enough to say that you'll pay off your cc, and it would be nice to have the HELOC available if needed, that you have no immediate plans to use it (which is true unless you have a house under contract) but what it would allow you to do, for example, is to keep a much smaller cash savings rainy day fund and instead use that money to further pay down debt (HELOC and mortgage).

This what they did: Develop an accurate budget for spending in retirementUnderstand the options available through Medicare and the cost of those optionsReview Social Security benefits, and identify the optimal time to begin drawing benefits to maximize the likelihood that your financial plan will be successfulUnderstand the mechanics behind taking portfolio withdrawals to support your financial needsAssess the impact of a potential long-term-care need on your overall retirement plan

I am in Northern VA and where I live there is no Duplex/Triplex are available.

Here are some details to have available when making a request with a HML.Must Haves Property TypePurchase PriceARVCost of RepairsHow much cash you have on hand to use in the dealYour credit scoreHow many flips you have done within the last yearCity and State of propertyDo you have a contract?

I will often see on MeetUp or other similar forums guys post private money availability with flat rates as a solicitation.

I'm available for them to pay rent, report maintenance, etc.

You mentioned deferred maintenance, did you have a fund/account setup *before* purchase that had that amount available?

With the equity that you have available to invest, even single family can cashflow 2k+ monthly.

These days, you can check Zillow and find out how long it's been on the market, so if it's on the market for over 90 days, they're asking too much.As to real estate taxes, figures are available on online, and can go up on changeover of ownership.