Traditional 30 year fixed mortgage How did you add value to the deal?

I'm struggling a little bit on deciding the best agreement to make sure I can get some cash flow, payback the HELOC, and not drive the new mortgage up too much with the Refi out of the HELOC.

The mortgage is $1800/ month, but I am looking to refi and pull cash out to finish the ADU and lower my interest rate by 1-1.5 points.Lessons learned?

I'm feeling most drawn to a buy and hold rental investing strategy and like the idea of the BRRRR strategy in tandem with VA loans, basically refinancing VA loan backed mortgages to conventional loans once there is 20% equity in the home.

They also could have a mortgage that could not be satisfied by the price and in that instance, again the bank would not release it - so again stuck. 

The two most common exemptions are the exemption for intrastate offerings and the exemption for private placements.  

I refinanced it into a  5% 30-year mortgage with a local bank as the seller would only carry the loan for a year.

He calls and tells me "the income to mortgage isn't 1:1 and he is going to have to let the lender know."

Your question on the loan - do you mean total mortgage (interest and principal) or just principal when you say 'paying off'?

How to Price the Condos: Do a reverse amortization schedule for a 30-year mortgage based on Room Rental Prices in the Area.