🧐S**t Outta Luck 

Quote from @Kenneth T.: Send your technical problems to support by emailing [email protected]

Access to Larger Loan Amounts: Cross collateralization allows borrowers to leverage multiple properties, which can lead to a higher overall loan amount than what might be possible with a single property.2.

The property has about a quarter mile of street access, and no trees or anything to block it, so I wanted to put something there to give a little privacy anyway, and then these trees obviously have to go, so I was hoping to re-use them.

Additional things to consider: where is the breaker box and do both units have access to it if needed?

Unfortunately, Texas has a law prohibiting HELOCs on rental properties and I believe they also have a 70-75% max total loans allowed on the property which cuts into the equity I've built and would only allow for me to access 30K which would make it less appealing to go through the process for only 30K.

You may have to sell the whole property to access the funds in the IRA or 401k when you retire and for required minimum distributions. 

Pretty solid points here, I would also like to add refinancing with a non-traditional DSCR based loan can assist with getting access to cash quickly as there are many lenders that have a lower seasoning requirement. 

This could allow you to build equity steadily, reduce the immediate demands on your time, and potentially refinance in a few years to access funds for future investments.Alternative Approach: Small Multi-Family Property: If you're open to it, a small multi-family property (like a duplex or triplex) can combine elements of both strategies.

@Tony Nguyen @Mark Allen @Gino BarbaroI am a student in Boston, and would greatly appreciate access to your pitch material.Thanks!