Hello everyone, my name is Shawn Regnier, and I have been lurking the BP forums for over a year; I figured it was time to finally make a formal introduction.I am a Los Angeles (San Fernando Valley) resident, and have been for the last six years.

Does this happen often, cause I would think people never do a LO.

Hobbies: Play with my boys, Motorcycles, Hike Palos Verdes, Skate around Venice, Snowboard, Run PCH etc-Brandon Brown

I'm in the Verde Valley and have looked into Tucson. 

You can't do a "rent to own" with a LO because you can't sell what you don't own.

I think the only way for a LO to be good at non-qm, the LO would need to ONLY do non-qm.

You need a LO that specializes in working with investors and positioning you for success now and later, there's a big difference. 

If I put myself in the shoes of an underwriter, two reasons come to mind why you might be applying for a refi and HELOC at the same time on two separate properties:1) Maybe you don't know any better and no one told you it was a no-no.2) Maybe you're a devious fraudster trying to borrow more money than you'd otherwise qualify for by doing four at once and not disclosing this.I as a LO that interacts with humans would be inclined to assume #1.

We own a small RV Park in Camp Verde that is currently for sale.  

The reality is that as a LO it's not really my department, and when you go to drop PMI typically your LO has been out of the picture for several years.