Love this thread, I'd offer that we are in Dallas and offer in person appointments too.Is there a structure or product that we could offer the market thats better ?

I will tell you, having personal stake in the business can create *significant* financial opportunities depending on production.

as Update to this post from 6 years ago, there are heloc's on owner occupied 2-4 unit properties up to 89.90% CLTV or combined loan to values (meaning multiple loans but all together not exceeding 90% of the value).Terms typically areinterest only first 10 years and drawable from the lineyears 11-30 its Principal and interest payment Prime index/rate + margin (this portion is fixed but prime is not)underwriting is done assume prime + margin + 2% stress test for underwriting meaning if your prime + margin was 10% then your underwriting rate used to determine your maximum line you can qualify for would be 12% rate as an example based on principal and interest payment over 30 years or 360 monthsIncome is the main determinant of your qualification and fico min 680+ is just the min score to get through the "front door,"Maximum DTI or debt to income allowed is 45% DTIMaximum lines on this product go from 500-750k so you can get a decent line size that can actually buy other BRRR's or fix flips and deals.

Information sought to be protected by an NDA must be specific so that there is no ambiguity, and for the courts to consider the agreement reasonable.Examples of information protected by NDAs include trade secrets, financial information, customer information, intellectual property, product formulae, product information, business plans, contracts with other organizations and computer codes or access processes.Sometimes, defining confidential information is hard because a whole lot of information is involved, especially in unilateral NDAs.

-Using the city water bill, it's an issue at move-in and move-out to prorate usage since the tenancy won't line up with the billing periods.

DSCR loans can be a great loan product.

And before I reach out to my securities attorney in Portland, I wanted to ask folks here about their experience and recommendations so I can have a more informed/productive conversation with my attorney.I’m so grateful for the replies I already received.

Work with the city and local brokers to identify the exact product type to meet the housing needs of the area.

We just had an conference call on this and a wrote a forum post yesterday about this exact circumstance and loan product..check in with @Joseph Chiofalo

It was annoying, but since the amounts paid matched up, we could just correct the full month's rent invoice to be a security deposit instead and it would all line up.