Bank related issues can be prosecuted for 10 years.

The extra 1050 a month definitely helped with the bank.

Meanwhile, switch banks.

If you have checkbook control you’ll have a bank account with a bank that has FDIC insurance up to $250k per account.  

I want to refinance it about 12-18 months later into a bank loan. pull out money to pay off the HELOC and enough for a down on a 2nd house or duplex.

Our economic system has inflation, which favors the banks, baked into the system.

I don't think rent to retirement can vet a deal any better than anyone else or you, they just have a bit of a system. but the new builds in Lehigh acres, Cape Coral, north port, etc are all garbage. septic systems, poor economics, low rent to purchase price ratios, you are banking on appreciation and buying at market. building direct is going to give you a competitive advantage on a 3 unit let's say worth 600,000 you are going to be 120k ahead than if you bought it through them. that's my analysis. if you are super lazy and too busy to make money and have millions to throw around then I'd recommend not thinking much about investing. but you can also invest in funds and be way omre passive than buying a new build from far away. but if you want to add real value then get involved and make it happen. getting wealthy isn't easy. you work hard for your money and there are build to rent developers like us that try to answer and add value to start buiding relationshipsl

Sometimes a good commerical Broker could come in and deal with the bank and or their captial markets.. 

Bankers are generally not aware of hard money loan options, and even if they are, they don't generally refer them when they believe they can approve a loan to you from their bank.

Now that we are 10 days from closing, I am talking to loan officer to get the Closing Disclosure so that I can know the exact cash to close (I need to move money from brokerage to bank account) and he is mentioning about 2% IPC limit.