Hi everyone, 

If I have unused HELOC on my property (say 50k I can take out), does that counts as my "liquidity asset" for banks?

Thank you.

Nice try, but the answer is no. Good luck.

An unused HELOC = unused liability.....

Thanks.  :P

Reminds me of when I got fired from my corporate employer many decades ago. 

My boss told me, in puzzled voice, "You had so much potential!"

However, like your HELOC, I was a liability, too.