If you own 25%+ of the business paying your w2, youre still self-employed.There are bank statement/1099 loan program as well, which is what you have been offered.

I'd like to use this to make an "all-cash" offer on a SFR, and then convert that to a conventional mortgage to pay off the HELOC.  

I have had previous requests for help with this situation, and that's the advice I consistently offer.

They would offer a more hands free approach, but eat up the profit in return.

Examples might include areas in the Midwest, Southeast, or Sunbelt regions.Multifamily Properties: Consider duplexes, triplexes, or small apartment buildings to increase unit count and spread risk across multiple tenants.Short-Term Rentals: If you’re comfortable with the management requirements, STRs in vacation or business travel markets can offer significantly higher cash flow potential than traditional rentals.Value-Add Properties: Look for opportunities to buy undervalued properties where you can force appreciation through renovations or better management.Decision FrameworkRun the Numbers: Compare the projected cash flow, equity growth, and tax implications of selling versus holding with a refinance or HELOC.

They are both a bit pricey if you're not all in and closing deals, but they also offer a 7 day free trial.

You can also listen in on Rob Abasolo's Youtube channel (Rob is one of the recent Bigger Pockets host) and you will learn a lot from him.If this group offers an opportunity to invest with them or their properties, then it may be worth the price. 

While California has long been a real estate powerhouse, Florida offers a compelling alternative with its own unique set of advantages.Let's spark some conversation!

Owners mistakenly ASSUME all PMCs offer the exact SAME SERVICES and PERFORM those services EXACTLY THE SAME WAY, so price is the only differentiator – so, they often select the first PMC they call or that calls them back!

And with brokerages now offering new agent programs where they will pay 100% of the expense to get licensed, there is literally no reason not to.