I bought my first two liens over the counter and was able to foreclose on both and made out very well.

You could take your pay in cash even and let the surplus build up in a wall safe or something.

We are focused on families and want to sleep 10 or more.

I'm looking to do a cash out refi on a duplex I have, but I cannot find any reviews online or much of an online presence for them.

Welcome, best of luck on your journey

Quote from @Keegan Darby: Hi BP - I’m seeking advice on a property I own. 

@Fareen E. as long as you don't violate Fair Housing and are CONSISTENT, you can do whatever.If you require an ID from EVERYONE, you are safe.

.## Strategies: Flipping, BRRRR, House Hacking- **Flipping:** Focus on properties that need renovation but have good potential for resale.

If I have several options, I would prefer a HELOC with no initial draw requirements (i.e. to establish a literal line of credit that I have no specific short term plans to use), i.e. not something like the better.com HELOC. 

I've got a long term tenant lined up & the unit is a non smoking unit, which the applicant is aware & fine with for indoor.