I tried to get a HELOC on my rental property, but the bank denied me for a low loan-to-value on the property.

Some of your quotes from this thread will be used as supporting material in the production.As some of you may have guessed, a lot of information about her has been removed since her case came to light so it's sort of difficult to piece this story togetherIf anyone has any information they'd like to share that would help paint a clearer picture of her actions and the damage she's caused, please reach out to me.

@Thomas Loyola you haven't addressed the Class of property you intend to buy, so your assumptions could be too low or too high.Your biggest challenge is you are assuming you have to pay asking prices!

Many don't qualify for low down payment/FHA for a variety of reasons, especially the ones sub 200K. 

Usually for first timers and low down buyers the underwriting is a little more simplistic than traditional buy/hold investors purely seeking yield. 

Quote from @Bruce Tieu: Quote from @Bonnie Low: It's easy to get ahold of the planning department for the particular city or County you are in.

What is the strategy to refinance the properties if the interest rates do go low moving forwards.

Franklinton is undergoing rapid transformation, with developments like The Gravity Projects, new breweries, and an expanding arts district driving change.Safety and Future Outlook:Increased Investments: New developments bring better lighting, public spaces, and infrastructure, naturally improving safety.Community Growth: More residents and businesses create activity, discouraging crime and boosting the neighborhood's vibrancy.Police and Outreach: Enhanced patrols and local organizations address crime and substance issues.While challenges remain, ongoing investments and gentrification make Franklinton safer and more attractive.

When doing this strategy you will can put down as low as 3.5% -5% down.

think about it:-when you buy a property, you'll have a down payment, closing costs, rent-ready costs, costs to get set up with a PM, a commission to place a tenant... maybe some light repairs after the tenant moves in...