For a new bank that I had never dealt with before - they required Two years of taxes including schedule E’s, rent rolls for all properties , 3 months of bank statements as they want to make sure you have the cash to cover N number of months payments,  and personal financial statement.

In contrast, if you're talking about a HELOC on a primary or secondary home, go for it.And yes, you're correct, on the private/hard money usage with the exception. 

@Lynnette E.

You shouldn't have an option for COGS on schedule E for rentals. 

E-Myth series by Michael Gerber. 

@Dave E. - Agreed, and I believe that it also depends on where you are in your investing career. 

Then he came down a bit, saying that other tenant's usage is very less, it is negligible, etc.

My landlord even seen the husband walk out of the house with a cigarette in his hand.

Originally posted by @Lynnette E.

(e) NOTICE.