My belief is many markets will outperform San Diego on shorter holds.  

And of course being in a first position loan is ( everything being equal) the safest position if the collateral has been valued correctly..

The amount you pay in interest on advances in the HELOC, plus the amount you could have earned if the “reserve” had been invested, is equal to the amount you saved on mortgage payments.

If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

My belief is that Praxis is the gold-standard.

And a lot less did, and my belief is because everyone's been anticipating a rate cut.

If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

This means the loan value will equal the property value and your mortgage payment will be high.

What you’re counting on is even a slow rate of appreciation, say equal to barely inflation, called it 2-3% being multiplied by 4 or 5X because you only put down 20-25%.

And equally for the buyer, if you want to renovate and refinance or cash out, wouldn't you have to pay off the entire mortgage at that point and the bank would know it was always the buyer paying off and not the seller?