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Not if you read today's update. Verification of data is scalable depending on the circumstances. http://www.brokernews.com.au/news/breaking-news/clear-as-mud-denovan-wades-through-the-employment-verification-quagmire-174470.aspx I dare you to answer "Yes" to the loss of income question...

A line of credit is just another loan with some particular features, the same way a fixed loan has a few features. The qualifiers aren't different to any other type of loan. They are limited on the amount of security available (equity) and your ability to make repayments (affordability)...