Thanks for the added info. PNC business was good to speak with but they don't want to touch single family, looking only for commercial at this time.
Still looking. PenFed has been a great option but they don't want to touch me if I have more than four investment properties, regardless of their mortgage status.
Re: Huntington, they will only give me a single line of credit, nothing more.
Interesting stuff, never thought it would be so hard to get a LOC on paid off, cashflowing, well seasoned single family assets.