These are the questions to ask your lender when looking for a good line of credit:
1) Do you charge points?
2) Are there any additional costs?
3) Do you charge an app fee?
4) What's your approval time?
5) How far is your margin above prime rate?
6) What is the cap for the interest rate?
7) What is your maximum loan amount or LTV?
8) Is there a minimum I have to borrow?
9) Are my payments interest only?
10) What is the period of the loan in years?
11) Can I renew the line of credit?
12) Are there annual memberships or maintenance fees?
13) Can I make withdrawals with an ATM/Debit Card or Checkbook?
14) Can I make unlimited withdrawals?
15) Is there a size limit to withdrawals?
16) Is there a per transaction fee?
17) Am I required to take out an initial advance or draw down?
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https://www.youtube.com/watch?v=KSDSxDVL5lU