Can I get a HELOC on primary at end of remodel

[Kyle Sullivan]

I purchased my primary residence with an entire remodel in mind. The remodel is 80% done, but I'd like to see if I can get a HELOC to help shore up some final costs. I had some other expenses (not related to home) come up that took ~$20k of reno budget away, so I am looking to try and get a HELOC to re-coop those funds.

The intent is to get a cash out re-fi in Feb 2020 after remodel is 100%. 

Some other details- 

Purchase price- $310k

1st mortgage- $290k

Reno budget- $80k, $60k spent so far 

ARV- $430k

The question I have is what does the condition of the home need to be in to get the appraisal to get the HELOC? Current condition of home does not have any exposed studs, but has one bathroom with out a vanity/floor, another does not have floor. There is also no baseboard/trim. I have completed the kitchen, and installed wood flooring through out and two other bathrooms are complete.

Any help would be greatly appreciated, thanks!