@Alex Bekeza hi awesome, I’m currently looking to purchase my next investment property then after work on my first flip, if you have to to discuss via email or txt that would be amazing I would love to pick your Brain :)

A lot of the time, the HML 2nd secured by the high equity primary residence would end up getting paid off in short order with via a HELOC, so there'd have to be points in it upfront for the HML for it to make sense.

Like I said she pushes the boundaries but doesn’t break laws so it’s been hard to get rid of her. 

@Josh R. there is another option, one that would raise you're ROI too infinite, eliminate that finance rate too 0%, and via reduction in $-expense, increase cash-flow. 

We bought the property via SUB2 and he has never made a single payment to the mortgage company.

just send a payment request and block the days or even better get them to pay via zelle and block the days.

An investor would typically finance via non-owner occupied conventional at 20% or 25% down @Robin Simon, so DSCR lenders use to underwrite the performance of the property based on the actual room rent?

We would now like to increase our access to cash via a HELOC that incorporates the new ADU in the appraisal. 

Even smaller chance you recoup expenses via collections.

**On 4/14 Jeff Swiecicki terminated my agreement via email.