We only allow 2 pet dogs.For ESA we use PetScreening.com and require any letter abide by AB468 and the medical provider that supplies the letter must state that they are aware of the requirements of AB468 and the consequences for providing ESA letters solely for a fee.We also charge an application fee. 

You could look into enforcing late fees if your lease allows it or even start the eviction process to show you're serious.

If a cash out refinance, many lenders will allow the cash out to satisfy the reserves requirement.DSCR lenders generally let you vest either individually or as an LLC.

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Current residence allowing me to live rent free.

You can setup a "guest mode" allowing the guest to enter their check-out date.

I assume that is to assure them that you live in the rental.HOA's that ban STRs trump the law if it is allowed in a particular area.

If you plan to use the remaining HELOC for a DSCR or BRRR strategy, that could help you build more equity, but consider if the current market conditions will lead to higher rates and lower cash flow in the near term.If your goal is to scale, you might consider holding onto your current duplex for the cash flow and focusing on the BRRR/DSCR strategy, which can allow for more control and potentially better long-term returns.

Policies like this have a minimum allowed death benefit amount (as specified by the IRS) based on several factors.

She's going to move from out of state to my locale, enabling me to more easily help her and allowing her to spend more time with her grandchildren.