Taking out loan on second home / investment property

[Joshua Hindberg]

I have a second home / investment property worth $3.5m. I currently have a hard money loan for $500k due in 9 months. I have no income with excellent credit.

I am looking into refinancing with private lenders or banks for an LOC or mortgage up to $1.5m

What are my best options? Do any banks / CUs do this with no income, or do I need a private lender? Any suggestions on how to go about this?

What happens if I have a loan based on being my second home but I decide to make it my primary home? Do I need to notify the lender and will they call in the loan?

Would any lender touch this with no income if it's my primary home?

Thanks!