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Good morning Carl, @David Krulac is right on the money. 

I would talk to your servicer to see if they can assist you. 

The bottom line is that your scenario is possible.

Congratulations to your continued success.That said we would like some guidance on crafting a contract where we would partner with contractor to go in on a flip together. 

Feel free to keep us updated on your findings here.

Lowe's just came out with their biggest appliance sale of the year- up to 40% off. And if you join Lowe's Pros, you'll get an additional discount (it's free to join). I believe that the sale goes through February 12th...

I’ve bought some houses with 0% interest for a year credit cards and a few with consumer lines of credit from banks.

It really all depends on the lender! 

@Gutta Bunni are you advertising your management services?