Subleasing gives the tenant flexibility, freedom, and options and gives the landlord a substantial increase in risk and liability with no financial reward.I enjoy providing property management and real estate information

Hey Zachary I think it's essential to look beyond mere interest rate differentials and focus on strategic benefits, particularly if scaling your portfolio is a long term goal.Key considerations:Pre-payment penalties: Determine if the HELOC has any penalties, impacting your flexibility payoff.Scaling strategy: Evaluate the scalability and limitations of each financing option.Advantage of HML: Allows scaling without hard credit pulls, and no pre-payment penalties.Holding costs: Factor in not just interest rate differences but also ancillary expenses as well as overall goals of scaling.Example scenario:Property purchase for $120,000 with $30,000 renovation.

This deal exemplifies our commitment to strategic investments and flexibility.

If you have time on your side and flexibility in your schedule I would suggest finding a local firm that you can intern or work for.

The one I used was the University of Michigan Credit Union.The loan to value is lower on investment property but if you have a strong equity position it makes sense.Then, the blended rate between your HELOC and primary loan is still better than the rate on a cash out refinance.Plus, the HELOC is flexible and can be used over and over if you pay it down and you have no payments until you use it.Dry powder waiting for the right opportunity.To Your Success!

Individuals and small groups of investors can be more flexible.

Sucks but I don’t have the time with my job to manage on my own)I’m thinking to leverage for growth as I’m 27 and may as well take advantage of owner occupancy while I still have the flexibility to move often before a family comes along (if it does haha).

This experience taught us the value of flexibility and meeting unique buyer needs, which can significantly enhance property appeal and sales outcomes.

This experience taught us the importance of flexible budgeting and realistic pricing.

This is one reason I always advocate commercial loans (where the loan officer has a little more say and flexibility) and using the same bank as much as possible, so your relationship can give sway when less desirable situations arrive.