At times, we have simply went across the street when one lender said no or gave us a high quote. 

I've got one program that my fast flippers like for its 'no seasoning' requirement, and then a few 90-day seasoning programs that work really well also.Occupancy: some programs can refinance vacant properties, while others will simply need it to be leased prior to closing.

Reasoning being is because simply put, the bank is not you.

Ray you can still lend in CA you simply need a RE Broker to run the paper work for you so the state Is happy and they will usually want some sort of fee for their time and risk / effort.

Even if it's not as good as you'd like simply hang on and then refi later down the road as interest rates come down with time.

We identified this N Lofgren Rd property through our partner network, and upon evaluation, we recognized its potential.

I'd encourage you personally to either consider a strategy that allows you to add value quickly and get out quickly (a Flip or BRRRR) if the HELOC is your current only/best option for cash, and/or to simply save up.

On large complexes you can look up their website and see if they have a leasing map that identifies address/unit.

Our goal is to identify neighborhoods where we can convert single-family homes into multi-unit buildings.📌 I’d love to connect with:Investors or developers experienced in BRRRR or rezoning projectsReal estate agents, architects, and attorneys familiar with the local marketProfessionals with expertise in expediting demolition and building permits in AtlantaI’m eager to learn from your experience, hear useful tips, and explore potential collaboration opportunities.

I simply call my broker and add the customers name to my liability policy.