How to Handle Line of Credit

IIRC, QD 2009 asks you if it's a Heloc when you create the account, cretaes it as a loan and lets you link it to the property.

If you can't download transactions to the account, my guess is that a liability account is better since a liability account can be linked to the home asset account.

But Quicken won't download to liability accounts, so if your financial institution provides downloads (Direct or Web Connect) for the account, and you want to use them, you're stuck making it a credit card account.

[If your fi provides QIF file downloads for the account, you can still import QIF files into liability accounts with no restrictions.]