I read about a program with Bank of America. 

America First even has a non-owner occupied version of a HELOC that is supposed to loan up to 80% of appraised value.  

BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP PLAINTIFF VS.

If you live in America, there are options when it comes to motorcycles - why Ural.

I'm not aware of any other place in North America where appreciation is tax-advantaged like it is in California, and I routinely read out-of-state horror stories about "30% appreciation = tax bill went up 30%."

This note is subject to Section 2966 of the Civil Code, which provides that the LENDER of this note shall give written notice to the BORROWER, or his successor in interest, of prescribed information at least 90 days and not more than 150 days before any balloon payment is due upon requests.All payments under this Note shall be made in lawful money of the United States of America.

For Bend I would recommend either Carl at Mid Oregon lending or Chris Raven at Finance of America Mortgage.

I've browsed your forums for a few weeks and it seems you have some quality information--I hope that this will finally get me into the trenches as a principal in RE (outside of REIT investing and helping to broker a REPE deal while I worked at one of the big investment banks).Goal: ~15-20 unit Multifamily value add (likely hold) in WA State; likely urban infill class C/C-; 20%-30% down on a total deal between $600k-$1.5mmProblem: I have been working in Singapore as a C-suite exec at a software startup for the past two years (offices in Singapore and Manila), but recently resigned and will be moving back to good 'ole America (Seattle) on March 1.

If you can do 10% down, talk to Mountain America Credit Union.  

Thanks to real estate I am able to stand on both of my feet without the support of corporate America. it is amazing to see the fruits of labor for all these years. real estate is the career that I will never be retired from. but it does beat 9 to 5 for any given day by a long shot.