I quit my job 2022, live off rental income and we house hack a large 3 level house with rents totally covering mortgage.She has excellent credit and six figure yearly income.

You also get free credits on sign up to try them out.

With the help of JURNY I am able to instant book guests all day as I collect IDs, selfies, credit card holds and rental agreements on every stay (yes Airbnb and VRBO included)Whatsapp: I use this to communicate with my cleaners.

Some do a great job, many do okay, some do a terrible job. 

For sale by owner and seller finance is completely different. buyer/tenants don’t always have bad credit.

Apparently they handle all property repairs and maintenance independently and have maintained a perfect payment history, even throughout the pandemic.Lease Option Agreement:Effective Date: November 1, 2022Terms:Purchase Price: $165,000Non-Refundable Down Payment: $10,000Lease Term: 3 years (ends October 31, 2025)Final Payment: $158,000 balance due upon term completionMonthly Payment: $1,150 (no rent credits)I didn't see this to be a deal because if in a the best case scenario my $25000 would walk away with 2400 which is about a 9% ROI.

It’s cheap.Pro: Credit card transactions are instantaneous too.

So when we had this property under contract for $92k ($95k purchase price with 3% buyer commission credit because I'm a licensed agent), it was an amazing deal.

I am finding that most credit unions will only do helocs on primary residence.

Quote from @Chris Mason: Rather than starting with one lender and going back to the tenants, another approach would be to work with a commercial mortgage broker who will put the full credit package in front of 10 or a dozen lenders, and see what they come back with.For example, for scenarios like this, I've seen lenders come back and offer a new loan that has a maturity that's coterminous with the lease.