DM me if it would be easier to just have a phone call and we can try to narrow down (eliminate options) so you have a 1-2 to focus on and research. 

This deal aligns with my strategy of adding value and achieving robust returns.

Quote from @Eduardo Perez-Borroto: Since the HELOC was not used on improving the home you cannot deduct the interest, nor use that to offset your capital gain.Would adding a battery bank system to my solar panels count as home improvement? 

You would then stress to not incur any improvement cost above $22,000 or you may have to liquidate the property.In this scenariod, $60,000 if you are making an above return at 10% to 12% annually + $30,000 making $4% in a HYSA, the average return is maybe around 8%The blended return would be about 9%You may be better off investing in the stock market, get a slightly lower return but without all the added stress / work.

This eliminates the seasoning requirement for the seller that will be required when someone else takes over their loan.

In southern CA, even garage conversion ADU additions are typically costing more than the value added.  

@Greg Scott we're still seeing many competitor ads that violate the new law:(Not sure how so many "professional" PMCs missed this!

I've just recently added a coin-op washer and dryer to a 4 unit. 

Rates may still be high, but sometimes they’re more flexible with repayment options than a mortgage refi.Family Loan Structure: Since you have an existing interest-free loan from family, you could talk to them about restructuring or even adding onto it, if they’re open to it.

I answered to a few corporate cash buyers ads who needed wholesalers, some do not even answer.