FHA allows the construction or renovation of an ADU on the property by refinancing into a 203k loan, but the property must remain your primary residence.This stuff is subject to change, lender specific, and subject to other factors.

.- The TL states that those are technically the team's leads and I will owe the 20% if they convert within the year since I was given training (which I was not), lender referal (which was forced on me by the TL even though I work with my own lenders for my clients).Is the above statement true/legal/valid?

I work for a portfolio lender as their point person for construction loans, and now I'm trying to grow the division.

It is not hurting them but just giving a review.

Small upgrades or re-leasing to market rents could boost your cash flow and provide additional funds for your San Diego purchase.If you'd like, I can connect you with a lender or help you explore potential properties in your preferred areas to see what’s realistic within your budget.

Your Lender If you need a deal finder my suggestion would be to go to the top of this page where it says AGENTS & click on that.

Most of our team leads are generated on YouTube with long-form content, neighborhood reviews, market updates etc.

The loan has a MUCH higher risk for the lender because it isn't secured by real estate.

In Europe, it is indeed possible to withdraw equity from a property through refinancing, but the conditions vary by country and lender.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?