If you transfer it into an LLC after securing the HELOC, your lender could invoke the due-on-sale clause, meaning they could demand full repayment of the loan immediately.

Often, I am not able to keep all of my ira funds invested in active loans so I would like to be able to keep the money that is not invested in loans in a liquid "money market" type of fund on a temporary basis.

Dissolving the LLC and distributing the property to the former members as tenants in common and then selling is a relatively common practice in these situations. 

Yes but depending on the loan type they may want to understand what that payment is.

Hi Heidi,I did a 15% down loan for 2 properties in Albany, NY with the national bank of Coxsackie in 2023.

Get your cpa to explain why they think a cost segregation study isn’t beneficial in your situation. 

More on DSCR loans: DSCR loans won't use your income to underwrite the loan. 

Hey Rex, Interested in knowing how you dealt with this situation.

Actually, on the loan application 1003's that I've seen, ***************************Uniform Residential Loan Application  1003Section 3: Financial Information — Real Estate.

They're very different thankfully so it feels like there's always at least one who's acting like a normal human being...A defeasance is something that happens on commercial properties when a securitized loan (like a CMBS [commercial mortgage-backed security] or agency loan) needs to be paid off early, either when you're refinancing or selling your property that has a loan on it.