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Updated 11 months ago on . Most recent reply

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Adam Cole
  • Member since May 2, 2024
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Adam Cole's profile image
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Adam Cole
  • Member since May 2, 2024
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Adam Cole
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Private Lending & Conventional Mortgage Advice

HELOC options for 2nd home 2024!

Adam Cole
Posted

Hello!

I am struggling to find the right option for a HELOC on my second home in Northern Michigan. I currently have about 300k in equity in the home and I want to utilize it.

I AirBNB the property 25% of the year and occupy it 50% of the year. 

Currently I am trying to get through the process with Flagstar but I am hitting a wall with my DTI and they are stating they are unable to use the income from Airbnbing as part of my income even though I report it.


Any help is greatly appreciated!

Adam

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