I've got a HELOC without any income qualification just on the basis of appraisal.....but my house was free and clear and the HELOC is a first lien position.Also, I've got less than 50% of the appraisal on that LOC.That was 4 years ago with Citizens Bank....not sure if they still do it - when I referred my client a year later, they said they disconnect this product.

The ones that are beholden to the hotels and hotel workers unions, like Anaheim and Santa Monica, here in California will ban citizens from using their home to make a few extra bucks. 

My parents have more belongings than me, even though they are senior citizens.

As a non-citizen owner, you just don't have the rights that someone who is local and lives in the property.

Keep in mind that for China to keep up with the new Chinese citizens entering the work force, they need to maintain somewhere around 3% - 5% growth rate.  

If you're a US citizen still claiming income on us tax returns and both you and your brother are on the loan.  

Neighboring property owners usually do not have to grant you an easement for utillities, you would need to buy it, as it does affect the value of their land, and what can be done in the future.Utility companies do have a right to try to take by imminent domain, but have to prove that it is a required necessity for the citizens.

I would get concerned calls from cops, psych ward profs, concerned neighborhood citizens, ect.  

Question 1 is a citizens' initiative that will (among other things):-impose rent control (rents will be capped at their Nov. 1st, 2017 level and can only go up by in increase in property taxes and the Consumer Price Index), -create a tenant dominated rent board (out of 7 members there will be at least 4 tenants and 1 landlord),-almost double the unit registration fees (from $35/unit to $65/unit),-significantly increase the time it takes evict tenants (upwards of an additional 90 days), -allow a group of volunteer citizens to impose fines on property owners,-effectively remove the term of a lease (the lease being over will no longer be reason to evict a tenant). 

Thanks @Melvin ListI haven't contacted any local broker yet but i have spoken with 3-4 lenders in the area and all of them are saying that i need to have a Visa and they can't work with a Canadian citizen.