Depending on what you are trying to achieve, there may be some other lenders I could suggest. 

look at new construction as well. 25% is not hard to achieve. 

You have some ambitious and achievable goals.

I also wouldnt let your mom go into 2nd position on an investment property with any sort of restructuring; it doenst sound like she's in a position to risk being wiped out.Overall, though, if you want cashflow on the new property but cant achieve that after a refi into a market rate loan, it probably makes more sense to just flip it, pay off your heloc and your mom, and use the remaining capital for the next deal.

Multifamily rentals are a great way to achieve financial freedom, and it sounds like you’re on the right path.My advice?

With thoughtful planning, you’ll be well on your way to building wealth and achieving your goals.Good luck! 

This can be the difference between setting goals and achieving them.

It takes time and patience, but the long-term benefits are well worth it.I’ve personally gained invaluable knowledge, listings, and deals from friendships I’ve built over the years.The more people you engage with, the faster you’ll achieve your goals!

We've rented out some of our best investment properties (New Construction/Turnkey) to Sec 8 residents, and the rent guarantee always helps in achieving consistent cash flow each month.

Hi @Adam M VonfeldtCongratulations on your current rental property—that’s an incredible achievement!