If I sold, I could be debt-free and have extra money each month to invest elsewhere.

Consider options like Bank Statement Loans, Debt Service Coverage Ratio (DSCR) Loans, and co-signing.

(I can say that as someone from massachusetts)But people need to be careful as a CFD is consumer debt and if the borrower contests - all that interest they owe you could be wiped out as if you are not sending statements, I believe the law is then interest could be wiped out and considered invalid.

In fact most new BRRRR investors prioritize whether they can receive 100% of their capital back through a refinance over all other deal metrics and being laser focused on that particular objective often leads to investing in the lowest tier neighborhood where it is easier to complete the BRRRR process. 

The right or wrong is in your attitude and agenda.In the boom years leading up to 08 our income was very unpredictable but pretty lucrative. 

@Rachel Seymour-Newton  there are definitely other sources for leads, which is why I mentioned hitting up a REIA and networking. 

It may not entirely make sense to go from a 30 year mortgage to 15 year mortgage if your debt to income ratio is tight in any sense.

Falling due to construction debris is a leading cause.

This also leads owners to ASSUME simpler is better when it comes to management contracts.

if the property is in Oregon they need state MLS and NMLS registration for ANY loan on a 1 to 4 unit regardless of purpose.thanks appreciate your feedback- we're only pocking $40k after paying off another heloc and debt. need to finish a big electrical job on the house, etc. so can't save up, but still have over $100K equity.