If you ask either company (that your refinancing with or drawing the HELOC with) and they should be able to confirm the time range in which you have to pull your credit multiple times without being decreased.

This would decrease gas bill.We could also add more insulation and possibly put in Honeywell app. controlled thermostats.Next, the lakefront unit will now be unoccupied d/t the owner is living here.

When they decrease the listing price and it continues to sit the on the market, people wonder if there's something wrong with the property.

Now I agree she is obviously going to alienate some people and decrease her rental pool.   

In my experience, they will decrease LTV but will still fund.

Risk increases somewhat, but headache decreases significantly. 

Why would decreasing that make it worse?

I sometimes think if they know it is rental property, that alone decreases the home value. 

Increase income or decrease expenses.

All of this was detailed in Promissory Note.  3) Every time he makes a payment, I send him an updated balance which shows all payments and the decreasing balance as well as due dates on upcoming payments (easy Excel spreadsheet).If he were not to pay the challenge then becomes trying to collect.