I’m trying to get a heloc or cash out refi on a primary residence duplex.l under FHA.I have great credit but modest incomeWife has bad credit with better income therefore I don’t believe we will qualify for heloc.Our plan was to get heloc to use as a down payment on another house hack or general investment property.So far our mortgage company said they could do the cash out refi which would raise our mortgage from $800 to $1200 (current rate is 3.62) and the rate would go to 6.6To pull out hopefully 30-35k maxMy concern is if I do the cash out.

The longer the maturity rate of the bond, the higher the yield is to compensate an investor for the additional risk they are taking on with a longer dated bond.Stocks that pay divideneds....insurance companies have a lower yield than telecom stocks as a reflection that telecoms are higher risk than insurance companies.In the efficient market hypothesis, if markets are efficient then the yields should be reflective of the risk.

I do my own transactions, not that hard anymore with a good escrow company and all the docusign stuff..... 

Watch out for the name Eric Lee as well as the company Sowae Corp and be careful not to do business with him or provide your personal information. 

Fourth company is the charm.

If so it might be hard to sell the management side of the business as the the real estate sales may be also under the same company structure.

Many companies only release certain clusters and types of data which can make assumptions riskier and modeling outputs more variable. 

I've only ever purchased homes as primaries, one being rented out currently to an insurance company and the other is my current primary.

But that's me.To answer your question, I'm not in the business of recycling dirty money but I think it's pretty well known and established the the proceeds for criminality and the drug trade is invested in all sort of business, especially real estate.

I work at an ADU company based in San Diego, and would love to help how I can >The income approach might also be used, evaluating the potential rental income the ADU could generate.