Also, I would like to point out that at Rent To Retirement, we work extremely hard to provide a positive experience for investors. 

For the crowdfunding and similar platforms that are starting to rise, would the lower returns be a result of the diversification they provide or due to the different risks they come with?

Additionally, you could also check with your insurance provider to confirm there's no active risk and provide that documentation to the lender as reassurance.

Success in this business comes down to consistency and building strong relationships.Let me know if you'd like to further connect - I'm happy to provide any guidance. 

*Strong Economy – Phoenix is sustaining a healthy housing market, with thriving sectors like technology, healthcare, and finance continuously recruiting new residents and providing them with job opportunities.

Would banks typically provide a HELOC on an investment property, and if so, what terms should I expect?

A HELOC offers flexibility, while a HEL provides a lump sum. 2.

That said, I will still try to provide some “clarity”.Purchasing a property “subject to “ the existing debt can be done two ways.  

If your current CPA can't provide this type of advice, maybe try the BP pros finder tool (I will post the link below) or hopefully someone will comment here and recommend a real estate CPA that they worked with before.https://www.biggerpockets.com/business/finder/searches/ffd0c...

Reforming these definitions can open avenues for co-living arrangements, providing more flexibility for investors and addressing housing affordability issues.Key Takeaways for InvestorsStay Informed: Understand local zoning laws and how they define household occupancy.