For commercial products, these lenders tend to substitute your personal debt to income ratio, with a Debt Service Credit Ratio, which essentially is the inverse of the DTI for a property.

And there is no substitute for 3 to 4 hours a day of good old research.

I have a multi-family project (in Hawaii) as well, and mine is maybe more complex than yours, but no substitute for making sure you don't have last minute surprises later in the process. 

I would not substitute the HELOC for a fixed 15 or 30 year, especially on the cusp of rising rates. 

Forums are great for many things, but sometimes there's just no substitution for chatting face-to-face.

We had to clean not only the walls and ceilings, but also the trim, woodwork and cabinets with the method of vinegar/water followed by TSP (or TSP substitute).

If you are like me I’m sure you’ve read all 65 books but there simply is no substitute for being in the thick of it.

Your Boxabl product is ~$150 SF (I'm throwing in $50k for foundation and utilities) so not much less than traditional buildings, and it will be weak at all of the hinge points...and modular housing is flimsy, has a shorter life span and less resale value.So no, there will most likely never be a substitute for a good old stick built house.

Once established, it is up to you to maintain over time.4) Asset protection planning should be an adjunct to a larger financial/tax/estate plan, not a substitute.

(A recorded trustee's deed (or similar alternative) confirming the amount paid by the grantee to trustee may be substituted for a settlement statement if a settlement statement was not provided to the purchaser at time of sale.)The preliminary title search or report must confirm that there are no existing liens on the subject property.The sources of funds for the purchase transaction are documented (such as bank statements, personal loan documents, or a HELOC on another property).If the source of funds used to acquire the property was an unsecured loan or a loan secured by an asset other than the subject property (such as a HELOC secured by another property), the settlement statement for the refinance transaction must reflect that all cash-out proceeds be used to pay off or pay down, as applicable, the loan used to purchase the property.