And Im a top 1% agent with a general lead conversion rate of 35% on my self generated leads. 

All cost seg companies will eventually point you back to having that conversation with your accountant, so starting at the accountant level is going to save you time

I (sort of) understand your insistence on deflecting conversations of alternative investments in the other forums since 95% of the debate is about taking a second position HELOC to move the debt to a different vehicle and accelerating the pay down.  

Hey Jerome,From our conversations, on a conventional primary residence loan without tax returns you wouldn't be able to use this as additional income. 

Patrick Heller did burst my bubble at the end of our conversation.

Hey @Akara Ambak - your first conversation should happen with an architect who has a better idea of what to do in these scenarios. 

It will be used for the construction of an ADU conversion with possibly some cosmetic rehab costs in the main house.

Training them simply means you control the conversation and interaction not them.An example, a tenant calls and says, "can you paint my apt a different color, I don't like it".

Along the way, I called TLBC and they also called me and I learned more over those conversations. 

It could be a casual conversation with the dr that got blown out of proportion or a report that says it could be xy or z in his lung but you want to protect yourself just let him leave.