Everything else is just mind games.

Hey Sam, I think you need to first  establish what it is you are looking to accomplish and then present it to a lender accordingly.

.: There are many new laws being implemented across different states, and I’m curious about yall game plan moving forward.

HELOC appraisals are notoriously low, just part of the game. 

I've even heard of GCs using auction type settings for returned items at Home Depot and Lowes for steep discounts.I've learned a lot about the GC game as I was up close to over 40 projects last two years and some went well and some did not and when they did not it was all Contractor related.If a GC isn't sourcing cheap materials at the same time milking the hell out of his 150-200 per day workers, then you can find yourself eating into your margins real fast. 

Kind of like a game of craps.

Of course the co-signer should be significantly stronger in ALL areas as compared to the applicant...usually this is a parent or relative, and they should be well established, with ownership of real estate for years; long and stable employment; no, or very distant, criminal and traffic court records; well funded SAVINGS/IRA's or stock market accounts.

Instead, I have established a donor advised fund (DAF) for charitable giving during and after my death. 

Established borrowers are not paying interest of loans that have matured and WE the investors have our money stuck doing nothing.  

Sounds like a game-changer, or does it?