I’m sure the community here has a bunch of insights, so I’d love to hear what you’ve got in mind before you pull the trigger!

I'm not understanding the purpose of wanting to refi.As for the phone calls, look up trigger leads and how to opt out.

Investors aren’t acquiring fractional property ownership but are instead buying income rights, meaning the arrangement avoids triggering real estate co-ownership laws or property title issues. 

Your best bet is to get on the phone, get multiple opinions, multiple quotes, and make decisions on the type of build before pulling the trigger.

Hardest step in everyone's journey is to pull the trigger on a deal.

Converting a traditional IRA to a Roth triggers taxes on the converted amount, so plan accordingly.

But the answer for everyone may differ.Here are the personal attributes I see in those able to achieve a higher than market ROI, enough higher to be able to “scale”.1- Knowledge of real estate principles, real estate law and real estate finance2- Minimum 3 -5 years full time, or near full time experience directly related to real estate investing3- Ability to utilize technology for increased efficiency, capacity, and accuracy4- Excellent hired legal counsel and excellent hired marketing help5- Established method(s) of obtaining consistently high QUALITY deal flow6- Ability to manage and choose people who are NOT employees: Attorneys, Appraisers, Mortgage Brokers, Real Estate Brokers, Title Companies, Surveyors, Marketing Specialists, Accountants, Contractors, Consultants, Property Managers7- A VERIFIABLE track record of success8- Ability to identify, analyze, and negotiate a deal that can be “worked” for “enhanced” ROI9- Some type of competitive advantage; for example for me it’s my ability to analyze and identify mortgage loans that are actually less risky than all other lenders believe (on the investing in debt side), and on the real property side it’s my ability to analyze”pull the trigger” with LESS information than other investors need,  combined with the ability to pay cash, or raise significant capital almost instantly as well as being able to obtain loans at the lowest prime customer bank rate with no recourse or personal liability.  

In those instances, the title doesn't change hands, thus, the Due on Sale isn't triggered.

Specific technical issue that triggered this post.

Found my deal on Zillow, ran the numbers, pulled the trigger and flew into town to do some of the work myself with the help of some family with experience fixing houses.