I shopped across 15 different institutions for my personal HELOC and they seemed to have the best terms out there.

It depends on what the property appraises for in 24 months,  if you will be able to get home owner's insurance, if lenders are lending and so on.

I literally laughed through the phone at his suggestion, because I was broke, in debt, and in every way and unqualified borrower, and the lending environment in 2012 was probably stricter than it had been since the invention of the 30yr mortgage.

Now, Kiavi is telling me I need to bring $20,000 to the closing table** to make this work because they’re lending at 70% LTV.

You are absolutely right about the lending.

The "non conforming" lending options are actually called NonQM (non qualified mortgages).

Property ClassProperties are categorized by class, impacting their quality, condition, and investment profile:Class A: High-end, newly built, prime locations, attractive to institutional investors.Class B: Good quality, older than Class A, with minor deferred maintenance.Class C: Older properties with dated amenities, but value-add opportunities exist.Class D: Distressed properties in less desirable locations with high risks but potential for significant improvement.4.

I have known and worked with Matt for years.I have attended his training and hired him as a consultant.He is hands down the best at what he does.I have personally raised over $50 million for my hard money lending company.I am grateful for a lot of people who helping me with this success and Matt is at or near the top of that list.

He's in Grapevine and a divorce lending specialist.

What are my lending options or creative solutions that will allow me to get the most cash out of the property?