Hey @Mike Levene, I'd recommend considering a Margin Loan against your stock portfolio.

While it provides opportunities for buyers who may not qualify for traditional loans, it's important to ensure affordability and long-term sustainability.

Personally, I'd cash-out refinance into a 30 or 15 year loan.

Unlike a mortgage the interest on your loan will not be tax deductible.

If anyone has tips on house hacking, financing strategies, or DIY-friendly renovation loans, I’d love to hear your insights!

With my situation of not being bankable, would DSCR loans still apply to me?

There are DSCR lenders will allow only a single 20 or 25% owner of an LLC to sign a Personal Guarantee (other owners are not on the loan, or liable for the loan).

So a loss of about 55k We did a lease to own option so I could immediately take over expenses but keep their primary resident loan and interest rate.We agreed to a deal which would cover all their expenses at closing, their remaining loan balance, and $45,000.

Unlike refinancing, which involves taking out a new loan, recasting keeps your existing loan terms—including your interest rate and loan duration—intact.

The substitute of collateral was more of a scenario where you sold for $155K, and instead of paying off the $88K loan in your scenario, those funds stayed at the title company and were used on a cash purchase happening nearby in date.