Hey all,Does anyone have any personal experience with First Savings Bank and their 1st lien HELOC?  

I called that person two more times just flabber ghasted that I actually got a banker to admit this info is legitimate with many more questions.

.: I would go HELOC for sure that would be best as others were saying the lower cost for the money changes between paying a higher rate for a personal line and typically personal lines they want a higher monthly charge as well independent from the interest rate.  

Like @Vince Scipione said, good for you for being a decent person!

FidelFidel,When I saw your question I got interested as most Canadian investors are rather running away (or pausing) from investing in RE in Canada.But to help in your journey, here's what I can share mostly from either my personal experience or discussion with relevant professionals. 

The title company will handle clearing the title but won’t manage personal agreements.

Quote from @Dominic Mazzarella: Quote from @James Wise: TikTok is supposed to be shut down in the U.S on 1.19.2025 unless the Supreme Court blocks or delays the U.S. ban per Trump's request.I won't pretend to have any idea how the inner workings of the data collection between China and the USA effect the world, but on a personally business not, I like it.

My personal thesis is to avoid the HOA altogether, problem solved.RESTRICTIVE COVENANTS can still run with the land even if there is no HOA, placed on by the developer.

But you don't find the same person you did back when.

They are the best thing to add to your own personal knowledge, books, and podcasts out there.