I do direct booking through the Houfy website, taking credit card payment by Square. 

.: Hello,I have several SFRs that have lots of equity in them and I wondering if anyone used a method of cross-collateralization to pledge the equity as collateral, thus avoiding doing a cash-out refinance or HELOC.

I've been using the BRRRR method more recently with some success.

I really don't have the $23k down payment I'd need for a DSCR, and Texas wont let me HELOC the equity out of my other rentals. 

Payment TermsContract Value: $[Insert Amount].Deposit: $[Insert Amount] due before the commencement of work.Payment Schedule: Payments to be made as follows:[Milestone 1 and payment amount].

Not when there are so many alternative methods of engagement towards resolve of which past clients have appreciated.

At the same time, dispute the late payments with the bureaus and provide the payment records showing the payments were made on time if asked.

But my down payment 3 years ago is only 10% of the total price $42K.

I'm a local real estate broker, investor, and manager (100+ rentals, mostly Airbnb/STR and multifamily).House hacking is a tried-and-true method and in Sacramento you can produce some meaningful income while enjoying the appreciation and tax benefits of owning real estate.

Find Brandon's videos on YouTube for the "four square" method of analyzing homes and practice.