Main goal of All In One heloc or 1st Lien Position Heloc:  Lower your daily average balance.Main Drawback: Rates are substantially higher than 60% of current 1st mortgage balances.If you are mostly living paycheck to paycheck and your money leaves your account as soon as it comes in to pay bills, this is not for you. 

Once you have a short list, get an account with each one and run them through the wringer to see how they function.

You have $80K in your savings account, and you decide you want to invest in real estate.Knowing what you know now, what would you do with your 80K?   

It took me 13 months to open a bank account in Belize.  

This is our "8 x 8 project" - there, I've said it out loud to remain accountable! 

The designer talked about has a completely different account then the designers I usually recommend, and I would have had red flags to begin with.

Now, my accounts are managed by Inspira Financial Trust. 

Would you take an escrow account with a deposit?

As a co-host for short term rentals, you may not need a license as long as you're not crossing over into activities that could be considered brokerage activities like handling any contracts, collecting rents, doing any accounting, approving tenants, etc.

If a problem arises with the property, the City will attempt to contact the owner and hold them accountable.