A couple questions:1) Has anyone worked with local lenders like a local bank or credit union?

In some circles you will be ostracized/labeled any number of bad things by saying anything bad about bitcoin.Bitcoin literally does all three things you are describing.

You’ve already got some huge wins: savings, good credit—that’s half the battle.

For example, I mention that every adult must pay a $XX application fee, pass my credit/criminal background, make a combined income of 3x the rent, and whether or not the property accepts pets.

Was the brownfield credits distributed in year 4?

I am not familiar with Avail and whether a LL can view credit history.

It's another to do so in a way that makes a new investor feel bad.

Also would like to know of any local credit unions with portfolio lending options.

Does Shiloh's rehab credit plan ring any bells to you?

Your name and credit would stay with the existing note, which you would keep paying on - ideally yourself with money you receive from the "buyer", because if they don't pay your credit is wrecked and your house is in foreclosure.If you search on here you'll see everyone and their brother looking to do Subto and it's a nightmare unless the buyer has the funds to pay the note off if/when the original lender figures out you don't occupy the property any more and are attempting to do what you want to do, since most loans are going to specify that performance.