I am considering a 1031 exchange to transition from a rental property with a 5% gross yield to investments in areas like Georgia or North Carolina, aiming for higher returns.

HI Patrick, you can go up to 90% CLTV for HELOC primary or 89.9% for cash out refi but rates can be a bit higher depending how you use those funds for a better ROI.

If they started proactively doing things like calling a loan due, the introduce higher risk of foreclosure.

But e-commerce has been around for several decades now and continues to grow.”In the lengthy “Marco Santarelli” YouTube videos, he explains that small business lending through promissory notes generates higher returns for investors than treasury notes, hard money lending, and real estate trust deed notes ( Link, at 29:42).

I don't like to be any higher than about 70% all in, because there's no room for error otherwise.

The purchase price, construction/labor costs, and ARV are all higher here in California than most states so I already have a high tolerance for risk and have the necessary liquidity to scale. 

Something to keep in mind though is that with the DSCR it is a new mortgage which entails higher closing costs as well as paying off any existing liens.

If they say put up higher railings, additional smoke detectors, etc, complete it promptly and document it.I've been in the landlord business for 20 years, and I've always kept my properties to code and well maintained. 

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.

So initially there was at lease 15% equity and on some the appraisals came back higher so there is even more equity.