Hey @Jaycee Greene, we typically get loans from smaller local banks.

@Kaleb JohnsonRecommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

suggest you think of using digital business cards, but not typical ones like all solutions out there, something that is the first AI-powered digital business card and offers AI persona, which handle client questions and would act as your 24/7 personal assistant. it’s called Avatalk,

Also, I wanted to convey that the type of investor I describe should on;y accept a quality tenant well above what’s typically considered acceptable in the industry.  

Reason being HML's are typically short term loans that are interest only.

Personally, If I could pull out a HELOC, I would use it to fix and flip which will typically make sense as you shouldnt be keeping the money out for that long and you can recycle it or pay it back and build off the capital that you got from. the flip.

Typically max leverage is 70CLTV - very higher Prepayment penalties and be ready for rates north of 12% - I answer this question all the time.

I get a lot of applications from out-of-area people, typically moving from another state.

So if you see a foreclosure, it's not a typical thing, and the people involved are not typical. 

In southern CA, even garage conversion ADU additions are typically costing more than the value added.