Quote from @Brandon Croucier: Quote from @Chris Seveney: They are more than a one man show - they are doing $10-12MM a year in lending (also have other parts of business) and have the people and systems in place includin g all above except the deal flow.How does one profitably run a PML company with numerous people only funding 10-12M a year?

Sara,I see this a lot and I always ask if you know you are going to refinance in the long run to consolidate the Heloc why not just do a Cash out refinance instead. 

It's easy to post a home run.

Generally there are multiple units for each "zone" if you will when I've seen them installed.Regarding your problem at hand, I personally would simply adjust your plan to move and make your initial plan to get the current issues resolved, while costly now, in the long run holding onto the unit will likely pay off. 

In the eyes of the law, it's no different than a cane or a wheelchair.Keep in mind, just because the ESA is not considered a pet doesn't mean it gets to run rampant, disturb the neighbors, crap all over the parking lot, or tear up the house.

We are running into a roadblock of him getting approved for a loan.

If you are originating more than 3 licenses in most states you need to be licensed. servicing will run you abour $35-$50/mo per loan.

Maybe run this by your real estate attorney before moving forward. 

Even with our recent price increase, this discount gets you up and running for less than our 2024 price.

But I am running into issues on the cash out refi side.