I specialize in this type of transaction and would be happy to have a conversation including why they may not be a fit for you. 

I would be willing to share mine as well including the sheet I built to calculate where your offer needs to be on a house hack for it to make sense.

Thanks @Kerry Baird, I was talking with ridge lending and they have recently stopped the all in o e heloc product.  

It worked out fine, though each time I got a little less than advertised interest rate (about 9% vs 10%) and I had to send a reminder email to to get my money back, but I did get it back.I ask about others' experience, because I'm still not 100% sure it's not a ponzi. 

I've emailed you a copy of contractor quotes and rio sheet.

My Dad had contracts that had 4 copies in them no need to have carbon paper NCR paper they called it.4 different colors .. the contract was one page and it included the escrow instructions..

Happy to chat if you'd like to send me a message or email. 

The UAE market has continued to evolve, with various Emirates offering unique investment opportunities.Currently, we have a diverse portfolio of projects, including fish farming, stone trading, construction, and more.

If I email him at 10pm on a Sunday about something, he's answering it back at 10:05pm.

That in itself is a skill and a needed over head component to keep from having investors get very antsy and then take to SM because they are not getting their e mails returned that day or next ..