In our county (in Ohio) they don't do round table close so we might purchase a property and never meet the seller. 

(with the DSCR loan to purchase moving faster ~ 2 weeks, it's conceivable we may be at the closing table faster than the HELOC closes).We are considering other options for the downpayment (approx $25K);   and then replenishing the funds with the HELOC cash once it hits.  

The illegal in-law units/ADUs are somewhat common in the Bay Area - many people with paid off properties are collecting under the table rent money without reporting it to the IRS.

For simplicity, I did not include closing costs or loan points in the purchase price numbers, but did include a fee of 10% of the sale price to cover closing costs, commissions, and minor repairs.ModelsBelow are two tables showing the IRR for the traditional rental, using a 20% down payment, and the BRRRR models using a 75% LTV loan.

I have never been to any of the properties I own in Atlanta and closed on all of them from my dining room table in Long Island.

Because of this, retriggering of the 1 year time table to complete the property to 75% of the value.

Major economic downturns, such as the Great Depression and the 2008 Financial Crisis, occurred under both parties and were driven by factors unrelated to the party in office.The following table shows the DJIA's performance during each presidential administration.

It'll take some time before they come back to the table. 

FACT: Borrower asks lender a “favor” to increase their payoff as a way to get hundreds of thousands extra back but NOT given back at closing on HUD, rather under the table directly from lender to borrowers after lender received the inflated payoff.Is this in fact considered Mortgage Fraud?

Yeah, but that is leaving a lot of money on the table.