I am interested if anyone has a referral for a bank that will lend (first position) a HELOC on a 4 family property in Columbus, Georgia.

Or, are the failed projects going to kingmade investors that have "special" relationships with the lending banks? 

Quote from @Sonja Revells: @Chris Seveney primarily Padsplits  I would speak to a few lenders first before going through all these hoops, as I started to do this then when talking to banks they were basically telling me either get a secured mortgage as they will not lend to a real estate company on unsecured credit/debt.

The bank would still want to know about the commission to include it as an expense on the final closing disclosure.All the best!

Quote from @Michael Daley: We bought a house in the SDSU area last year with an attached JADU.

Not without the bank signing off on it.

Have you called your bank/servicer to talk about your options? 

Add a very diversified economy here with banking, insurance, oil and gas, education, three medical schools, 3 law schools, life sciences, DFW airport, and so much more, it looks like the growth just goes on and on.As far as appreciation goes, that's always tough to predict. 

No one can explain how this happened and it was recently surveyed 3 weeks ago with the measurements in the attached picture.

How does one take the owner finance situation to a bank and turn it into a 30 year loan to hold without an additional down payment of 20 percent ?