Once you have more than enough income stream from the US, taking some riskier gambles abroad may make sense.

I did most of the work other than appliances ect it’s very small 400 square feet total so it’s like a little studio with big glass sliding doors to a patio.Turns out someone called zoning and long story short I was told I can’t do an ADU.

If a tenant isn't a good fit, I can choose not to renew their lease with a 28-day notice, as long as the lease is under 12 months and they've occupied the property for less than a year.

Non owner HELOC's are in the 75% ltv. or less.Rates 10-22% are  and 15 year amortized this is not a good plan to pay off your lower rate first trust deedsShred Method is foolish if you have a rate in the 3's Having a mortgage with a low rate is better than a free and clear property.

You could just assume the loan and remove it from their credit entirely. 

Hence, they are looking at STR as business income rather than passive income.

If you do a construction loan, I would recommend Jason Chambers at United Federal Credit Union (I can send contact info) and Patrick Blackburn at Movement Bank (I can send you info).

My budget is $550,000 and I would prefer the HOA to be less than $400.

With many seasoned real estate investors locked into low first mortgage rates and large equity positions, many borrowers and investors have been exploring tapping second position loans like home equity lines of credit for reinvestment capital towards down payment or rehabilitation funds. 

I have a few credits to spare :) PM me the address and the property details and I'll generate it for you.