Any banks have HELOC rate < 5% for rental properties?

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Here are my research results:

TD bank 5% + closing costs.

Wells Fargo 5.11% + mortage tax and title legal fees.

Cash out Re-finance:

Most banks and brokers require closing fees about $4000. Rate: 4.875% 30 yr - +. For closing cost of $1300, Rate: 5.25%.

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