What would you suggest as a number or percentage after the refi/sale that would make sense for the lender?

If I had a nickle for every time I have heard or seen someone try and illustrate a good deal based only on the percentage of UPB I would have a lot more loans.

However, the percentage varies based on factors like location, property age, condition, and expenses such as taxes, insurance, and interest rates.

We calculate rent plus all debt payments as a percentage of gross monthly income.Our underwriters strive to analyze and balance all the information above to determine the statistical likelihood of a tenant paying their rent on time.ApprovalOnce an applicant is approved, we require a nonrefundable Holding Fee to make sure they are serious and don’t change their minds.

The banks I have spoken with all want to do Home Equity Loans in lump sums with refinancing and a much higher percentage that what I originally signed on at. 

A Heloc can never be used as a PITI reserve, or an asset instead its a debt burden and an additional trade line on credit.A Heloc carries a higher risk when it comes to security meaning if you miss a payment even by mistake or for any reason, your scores drop, or your balances start to change your DTI or usage percentage.

Say, I bring 250,000 or 500,000, how much or what percentage is useable? 

Normally, it's offered to the other partners first and they can either both buy it to equalize the partnership or maybe one can buy it to take percentage ownership.I think you could handle this through a real estate attorney easily.

The only reason I dont suggest those right away is because if it's your first prop they wont give you great rates or percentages. 

Is the new percentage of commission worth it?