There’s a separate kitchen and living space on each level, acting as a non-conforming up/down duplex. 

However, the escrow servicer reneged on the options at the last moment and decided they would only reimburse a HELOC.

Perhaps they offer a favorable refinance option if the property has appreciated to the point where the current loan amount satisfies their non physician loan LTV underwriting.

Used a HELOC on a primary, and was sure that even with that additional debt-service, there was + cash flow.

Used a HELOC on a primary, and was sure that even with that additional debt-service, there was + cash flow.

But by putting the properties into the business name you can avoid having the debt reported to personal credit so long as the funding lenders servicing company allows for it.

That being said, if you are doing a non-income based loan, then you wouldn't have an issue qualifying still.

The tenant reported that the kitchen has minor stains and is requesting that I pay for an additional cleaning service.2.

There are three safe harbors that businesses may use to meet the test.Half of the amount the business spent on services were for services performed in a QOZ.Necessary business functions and necessary tangible property was located in a QOZ.Half of the hours of service received by the business were performed in a QOZ.A business does not need to meet all three safe harbors to qualify.

No appraisalI realize I don't get to choose the terms when using a white label service but I'd like to get close until I have my own funding.