Joe Rohne (Me) and Parker Borofsky at Movement Mortgage

Your mortgage company gets paid off first and then it's up to the homeowner to secure a construction loan to rebuild. 

It by no means is an exhaustive search but I also haven’t seen any co-op communities selling for 50% of comparable condos.I also know lenders that have originated loans for the co-ops in Laguna Hills and I was also reading how Fannie Mae buys mortgages issues to co-ops so it sounds like there’s a market for both qualified and non-qualified loans.

As the owner, I don't actually have the option to opt out at anytime during those 4 years but they do a 3 percent increase each year and my mortgage is only $1,800 so I think its a pretty good deal.

I have broken down 4 key benefits to a retirement account: 1) Compounding interest in the absence of taxation (particularly with a Roth IRA) 2) Ability to self-direct into alternative assets, like real estate, private real estate partnerships/syndications, crypto, gold & silver and other alternative investments. 3) Credit protection (see state specific laws), but generally inherent protections. 4) Upon death, if setup properly, probate avoidance 

I was looking to put 80k cash into then refi afterwards and possibly getting 130k. 130k on mortgage would be close to $800 only leaving $200 in cash flow each month. 

Take into account your mortgage, a property management company and other expenses and you are lucky if you net $300. 

I told them no, they said the best they can do for a mortgage was for me to pay 50% down.

A mortgage lender can help determine if refinancing or tapping into equity might allow you to acquire additional properties.Consider a 1031 Exchange: If you're open to selling a current property, a 1031 exchange can defer capital gains taxes while enabling you to upgrade to a larger or more profitable asset.

I'm struggling a little bit on deciding the best agreement to make sure I can get some cash flow, payback the HELOC, and not drive the new mortgage up too much with the Refi out of the HELOC.