Texas newbie question about portfolio lender and HELOC

[Jennifer C.]

Hi, 

Thanks in advance for any reply and/or help! This is my first post at BP so please feel free to redirect me if any other forum is more suitable. I am a newbie investor from Texas. Currently we have 2 SFH rented out and are looking for buying a Multi, ideally 10 units or above. I heard people talking about all kinds of financing - HELOC, portfolio lender... so when should I talk to the bank about the HELOC or portfolio lendor, before or after I have a deal on hand? If a portfolio lender, does it mean they can combine all my existing mortgage and the amount I need for the new deal? The bank I apply for the HELOC, does it have to be my existing mortgage or saving account bank?

Thanks again!

- Jen