1st mortgage as Second Home, now rented but I need equity out...?

[Martin S.]

Purchased a second home with 20% down, did $15k of improvements and then decided to rent 4 months after purchase. Closing agent even told me not to worry if I rent it out because the banks wont know and dont usually care... Still have insurance as a second home, am I supposed to change it to landlord insurance?...(That would likely tell the bank its rented)... Its been 4 months since I rented it out and I would like to get my equity out for purchase of investment property. I know my mom got a HELOC while renting her place, and the closing agent and appraisers didn't care either. Should I just get a regular HELOC or equity loan and ask tenants if I can have the place to myself on the appraisal date?