Instead of buying the same type of property each year, the idea is to gradually increase the size or number of units in each deal.

However, here are a few strategies to explore:Local Real Estate Investor Networks – Join local REI groups, meetups, or Facebook groups where private lenders may be open to funding primary residences under the right terms.Seller Financing – If the seller is open to it, you could negotiate a seller-financed deal where they act as the lender.Community Banks & Credit Unions – Smaller local banks may offer portfolio loans with flexible terms.Wealthy Individuals / Family Offices – High-net-worth individuals sometimes fund private deals, especially if they see strong equity and repayment potential.IRA or Self-Directed Retirement Accounts – Some investors lend money from their self-directed IRAs for real estate transactions.Since you’re willing to pay higher interest for a short-term solution, a contract for deed (land contract) might also be an option, where the seller keeps the title until you pay it off or refinance.Would you like me to connect you with any potential private lenders?

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I believe this is what they call a pier and beam foundation which I have no experience with so I have no idea what it would cost to fix. 

Also, can you calculate your cap rate to get an idea of your rate of return. 

Our office receives about 50 of these a month from various wholesalers and I always look at ones I don't recognize to see what people are trying.

Did the lender have some idea of what was up, choosing to sell the loan rather than try to cure/foreclose? 

My idea for wanting the HELOC is to have access to funds for future deals.  

I'm particularly liking the idea of a dulplex, and "House Hacking". 

but then turn around and suddenly we moved offices to a fancier office with an expensive build out.