If a cash out refinance, many lenders will allow the cash out to satisfy the reserves requirement.DSCR lenders generally let you vest either individually or as an LLC.

The contract must include a provision that allows for a 22-day period to assign to a buyer.

For that reason, we prefer fast scalable strategies that are repeatable and allow compounding faster for new builds than a build to rent triplex. does anyone have a similar strategy?

Mortgage BuydownsA mortgage buydown allows you to pay an upfront fee to lower your mortgage rate for a set period of time.

I assume that is to assure them that you live in the rental.HOA's that ban STRs trump the law if it is allowed in a particular area.

These loans allow buyers to purchase with lower down payments and take advantage of the best interest rates.

Some areas have a steady need for traveling professionals, military families, or seasonal workers, which can give you different ways to structure your house hack beyond just a traditional long-term tenant.Your VA loan is a huge advantage because it allows you to buy up to four units with zero down.

From what I've seen, most places in California only allow ADUs and JADUs to be rented for 30 days or longer.

As far as I know, they do not specifically say that CA will not allow this loophole, and they do not specifically say that they will.

If you plan to use the remaining HELOC for a DSCR or BRRR strategy, that could help you build more equity, but consider if the current market conditions will lead to higher rates and lower cash flow in the near term.If your goal is to scale, you might consider holding onto your current duplex for the cash flow and focusing on the BRRR/DSCR strategy, which can allow for more control and potentially better long-term returns.