In conclusion: because Kiavi does not know or does not care about Taylor’s chronic ineptitude; because Kiavi has never bothered to put together an introductory email document to clients explaining the steps, requirements and responsibilities of the refinancing process; and because Kiavi does not bother to fix an obviously broken client portal website, it’s clear that the company does not strongly value customer experience and satisfaction.

Then at the last minute, I had a strong instinct to pull out and did not follow through.

Negotiating seller concessions, networking with local investors, and learning property management skills have been key to finding deals with strong long-term potential.Good luck!

Given your experience with RV parks and MHPs, you already have a strong foundation for managing mixed-income streams, which will be valuable here. 

Your top-notch experiences and resume will provide you with a strong foundation in real estate investing. 

If you have strong income and savings then you can argue you'd be OK  but I would just use those savings as the down payment not the HELOC

Even if their online banking and technology is not as strong, the ability to take advantage of their ancillary banking services, most notably their real estate lending far outweighs any minor inconveniences. 

Since your properties have significant equity and low interest rates, you could consider refinancing just enough to maintain strong cash flow.House Hacking:Consider purchasing a duplex, triplex, or fourplex in San Diego.

Scottsdale has been an amazing base for me - so much outdoor beauty, a thriving community, and, of course, a strong real estate market.Since you’re diving deeper into your Johnson City research, have you started looking at specific properties or just keeping an eye on trends for now?

If not, then you really need a strong legal structure stating how these properties will be governed going forward, including management, tenant selection, capital expenses, etc.