But the word 'HELOC' is traditionally associated with 2nd mortgages on primary residence, so I think, in addition to making some relationships with smaller banks in your community, ask them if they grant homeowners secure lines of credit with the homes as collateral in first position.Remember, there is a thing called a CD Line of Credit - for example, you put 40k in a CD(this is a terrible investment, by the way, but I am doing this for illustration) and then you tell the banker you want a line of credit secured by the CD. 

Here is an infographic illustrating this here in California: https://infogram.com/california-bands-together-1g43mn7yrl062zy2.

illustrated as well as the great outcomes such as what @Kathy Fettke just posted about.

Quote from @Chuck Lamar: Jay,Thanks, I am in the process of doing just that, as Hughes was mentioned in this article:Door to Door: How a set of broken steps illustrates Cleveland's dance with out-of-town investors"The story of Exitos Capital, ... shows the difficulty the city faces in reaching out-of-town investors – and the challenges those investors can encounter in keeping track of their holdings.The company jumped into the Cleveland market in March 2018.

There are more threads here around BP that illustrate that those programs are not worth the money they charge.  

It sounds like a lot of leads but most investors are outsourcing cold calling just like their direct mail.The image below illustrates the main points I'm touching on.

See chart below illustrating this between 1970 and 2014.My point is twofold.  

Perhaps that is why you never saw the value in it.Policy illustrations show the "NET" death benefit.

Setting proper expectations takes effort (sometimes a lot of effort).Let me try to illustrate this with my own experience.  

I think it illustrates the importance of talking to a few HVAC technicians (not just one) to better understand the whole cohesive picture on a property-by-property basis.