You can’t pull off a piece of siding for money, but you can always refinance or do a HELOC.
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HELOC is great but typically much higher, variable rate and is callable
I’d be careful with the ideal that you can “always” do that. You should have a more liquid emergency fund available. Trouble tends to bunch up. In 2008-09 lots of people lost jobs, and not many banks were willing to lend them either.