Hi Frank,There are programs out there that have much less prepayment penalty.

We were told early on that Bildwise’s preferred form of communication was the messaging function in their web-based client portal.

Unofficially it could be more as it does point to our site so if someone takes down our web address and comes back directly and books us it would not credit to Google. 

By limiting your exposure to banks and credit unions, you're leaving significant amounts of money on the table, along with superior terms (IE - 30 year amortization, partial-full term IO, non-recourse structure, etc.)Below are summaries of the Freddie Mac Small Balance Loan (SBL) and Fannie Mae Small Loan multifamily loan programs.

The last Bad GP post on BP, the investments were Broadway Plays, Defunct brand Names, Mastermind programs, and Crypto arbitrage. 

How do I find out which lenders offer that program?

Getting a HELOC without a full appraisal can be tricky, but there are a few ways it might be possible, especially if you’ve added significant value to your property.Showing Recent Home Improvements : Providing documentation of recent home improvements and their costs might convince a lender to waive the full appraisal.High Equity : If you have a significant amount of equity in your home, lenders might be more flexible with appraisal requirements.Streamlined HELOC Programs : Some lenders offer streamlined or fast-track HELOC programs that don't require a full appraisal.

I would look for programs like NACA 

A Bank statement program would do wonders, 10% down minimum is industry standard, if you have a solid credit score,15% down will get you really good terms, however you still need to qualify DTI wise.Best of luck!

The townhome association charges a $100 fee annually under the name of the Tenant Administration Program (TAP), regardless of whether I have a new lease with new tenants or a renewed lease with the same tenants as the previous year.Who should be responsible for this fee: the landlord or the tenants?