Not any longer.FYI, HELOCs are better than Unsecured revolving debt such as credit card cash advances, when considering where funds come from, for use as down payment funds on new mortgages.

Revolving credit(i.e. cedit cards, loc, etc) can add up very quickly because of how its calculated.  

For a turnkey company to exist and sustain, they need a market where there is positive [monthly] cash flow and enough inventory to work on in a revolving fashion.

We can do refinance up to 80%, and from this 80% you can have up to 65% of revolving portion. 

Be sure to maintain your current revolving credit lines and pay on time.In a few short months, you should see a rise in your scores.Hope this helps!

When I visit Manhattan, I'm amazed at how the world really seems to revolve around that city.

But my investment investment property have a 5 year ARM and i want to get all of my investment propertys that have an adjustable revolving mortgage (ARM) out of my life.

Moving the credit card debt from an unsecured revolving line to your house or borrowing or taking from your 401 is just masking the symptom.  

., which I plan to eventually replace with full time real estate investment and business ownership.Currently, my real estate business initiative is to replace my current career’s active income stream with a house flipping active income stream.The next milestone would be to begin building a rental portfolio for a relatively passive revenue stream and long term wealth building.Current initiative goals: (24 month goals - Starting 01/2023 and ending 01/2025 )- Revolving 30 property/year flip routine.- $1Mil Cash on hand.

HELOC Basics:A revolving credit line secured by your home’s equityLow interest rates, but often variableDraw period (5-10 years) → Repayment period (10-20 years)✅ Pros: Lower interest than other loans, flexible access to funds, potential tax benefits⚠ Cons: Home is collateral, payments may increase, short repayment termWhen It Makes Sense:The rental property cash flows enough to cover HELOC paymentsYou borrow conservatively (avoid over-leveraging)You have a backup plan in case of market shiftsSafer Alternatives:Save a larger down paymentConsider seller financingPartner with another investorFinal ThoughtsWith your timeline set for November 2025, take time to research markets, build connections, and plan financing wisely.📌 Key Takeaways:Out-of-state investing can work but requires a solid local team.Use online tools like BiggerPockets, Rentometer, and Roofstock for analysis.A HELOC can help, but be mindful of risks and repayment terms.