I’ve been in this space for a long time, coaching and investing, and I love helping people get started.

They could include things like waivers for documents and appraisals, relaxation of underwriting standards and money to fund repairs.However, there are benefits for people who just live in the areas, but aren't directly impacted.

According to NYC, STR is hurting housing affordability just like normal people can buy a house or condo near the Time Square and Madison Garden. 

I've seen many people suggest a cash out refi but I like the flexibility of the heloc.

Now some people may argue higher interest rates are good, as it drives out competition on new acquisitions.

It's mostly retired people or people who have no money.

So they would first payoff the first mortgage, if there is a second then $ goes to the second and if anything above that goes to any other lienholders or the homeowner.There are a lot of people who invest in 2nd mortgages because they are cheaper than a first, but in Ohio (not sure all counties) you have to pay off the first at foreclosure so if you do not have the money to pay off the first you are out of luck. 

In regards to your offer, I am always willing to learn more from people who've been there and done that. 

I am seeing more bureaucracy like inspections and fees, which I can understand because some people let their places become true hazards.I do agree what @John Underwood said and would consider lawyering up. 

Hi Ricky,I always recommend that people create their own model.