Getting your utilization down on your credit cards and heloc will improve your score and should be your priority.To answer your original question, the questions to ask are about prepayment penalties and points for DSCR loans.

if you think there is more equity there you could have an appraisal done… but some lenders will not re-evaluate a recent purchase for a set period of time… they will just stick with the old purchase price as its value (varies by lender) unless you can show significant improvements you did to justify a higher price. 

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.

They may have some other ideas/verbiage that might improve upon the above based on your particular concerns.

Here are a few steps you can take to improve the reliability of your tenant screening process:1.

I recently had one property get near $50k in improvements and it cost me $2,500. if that ain't ROI I don't know what is. 

Multiple improvements done on this duplex in 2021, including new roof, gutters, flooring, drywall, electrical, appliances, and heating/cooling unit for the second floor.

They’ve also invested in an older area of the city that’s being regenerated into an arts district and will improve the walkability and bike-ability.It gets blown out of proportion.  

To finish the interior of a 480 sqft garage.If an efficiency ADU costs 33%+ of the total value of the existing improvements, it's really hard to make the numbers work.

The proposal could reduce stress for landlords, ensure smoother transitions, and improve communication with tenants.Additionally, the proposal includes a 5-day grace period before late fees can be imposed.