The modest purchase price, combined with an ideal renovation budget, presented a prime opportunity to improve the home’s market appeal.

A combination of both.What do you think is the best option?

My goals would be to increase monthly cash flow and have more access to the property's equity for things like Cap Ex, etc....Here's a blurb from a lender's website:"By combining banking functionality with home financing into one dynamic instrument, borrowers are able to save tens of thousands of dollars and years off their loan""Designed after popular programs around the world, the All In One First Lien HELOC is the nation’s first transactional offset type-mortgage program.Home financing and banking combined:Deposits lower your loan’s principalFunds remain available for expensesInterest is calculated on the average daily balanceThis lowers the monthly interest paymentsTens of thousands of dollars can be saved over the life of the loanMortgage freedom can be achieved in half the time or less

Even the usually-strong HML started to get flu due to local economy.One thing I agree for office it's mostly regional, so combination of asset and place location is key where asset survived or move to the bank.

Lots of skinny deals, overpriced vs. sqft/layout, bad street, or a combination. 

PAL rules have a curve that drops to zero at $150k of combined income for couples.

I can put a combination lock on it but wonder if that will satisfy his requirements?

The mineral rights don't bother me as much as them being combined with the surface rights.

Whether it's real estate investing or running a small business or a combination of both, I just know I want my income and financial stability to stop being reliant on a boss or corporate entity.I've got a couple of interests that I'm flexible on. - Long term residential rentals: Primary interest to start building.  

Purchase price: $189,000 Cash invested: $15,000 Welcome to the crown jewel of Center City, Philadelphia—a standout property in my investment portfolio that perfectly combines elegance, location, and profitability.