We also used PenFed, and they offer a fast HELOC…not sure how long they are now, but the process was smooth.  

And, if a higher return is offered with moderate risk, don't believe it.

And good luck to @Eve Favorse on the offer!!

Anything less than that is either because the client never clearly understood the loan type we offer or something we did wrong. 

Too many flakes and dream merchants (using my material to teach while stealing your wallet and offering to help you look for it!).

There are a lot of websites that offer the course online, or if you have a college near you, they also typically offer a class that satisfies the pre-licensing requirement.

What was the interest rate and when you went to refinance what rate were they offering?

I have investor friends in LA area offering temporary free housing.

They offer a $10K repair fund to fix damages in addition to SD plus warranty for appliance repair etc.I have no say in whom they choose to move in, whether there are animals, limit on # of occupants etc. they reserve right to inspect property so i have no idea if they can tell me to remodel, paint etc.does this make sense i have a vacancy coming up in October (bad rental timing).

Taxpayers within these zones are automatically granted this relief without needing to apply, offering some respite as they focus on rebuilding their lives.