Having said that, I would strongly recommend (for a number of reasons) that you speak with a lender/broker who’s well versed in VA loans, rather than trying to go through an institution like quicken/USAA.

I’ve looked into areas in Maine, Worcester MA, and Providence when multis are more affordable and cash flow well.

I've made an offer an a single family investment/rental property in Massachusetts.  

Hello friends,I am planning to buy a multi-family (4 to 24 units) in Boston metro/Lexington (other surrounding areas) Massachusetts for buy and hold.

But that's the business you chose, so until different loan programs come out, that's as good as it gets.Now, because you have transferred 1 or more properties to the SUB S and even if you were required to sign on the loan as a guarantor, they wont count in Fannie Ma's 10 financed property rule, because they are commercial loans and they are in the name of the entity.

I need to get my real estate license in Illinois, New York, and California, with my first priority being IllinoisIllinois has reciprocity with CO, CT, GA, IN, IO, KT, NE, SD and WINew York has reciprocity with CO, CT, GA, AR, MA, MS, OK, PA, and WVCalifornia has no reciprocityWould it be in my interest to study for either Colorado, Connecticut, or Georgia in order to get both Illinois and New York?

Originally posted by @Tom Gimer:@Patrick MartoneIf you refi out of your HELOC, your line of credit will be closed and you will no longer have access to it.If you have a bunch of equity in the subject property, you could ask the bank to increase the line OR or you could get a new first and at the same time pay down and subordinate the HELOC.Hmm,  I'll have to double check, but the fine print mentioned something about getting up to 3 fixed-rate loans. it seems common across different institutions.

You could also cash out refi with a variety of lending institutions.

Anyone have any recos for someone for financing in Massachusetts?

@Jerome Morelos Definitely look into your state laws...I know here in MA I am not allowed to charge tenants for water UNLESS it is sub-metered correctly.I am also required to provide heating no matter what during "heating season" even though the heaters are also separate for each unit.I would also suggest taking a look at other listings in your area to see what common practice is.Best of luck!