If you own a 2-flat with an additional non-conforming garden unit (basement) being rented, and you're considering a cash-out refinance, how will the lender evaluate the rental income?

Is there a way to access the additional features without creating a new Stessa account through the BiggerPockets link? 

Additionally, there typically are additional state protections (outside of the agreement) based on where the fund is located.

I've got about $525K in equity in the property, but lenders have told me that I cannot get a HELOC to access that equity for additional purchases because the duplex was financed as an investment - they have said TX law dictates that HELOC can only be used on primary residences.

A lot of original details still remain but looking forward to uncovering some goodies.

In addition, the Grantor will probably be required to sign the same seller's affidavit that are needed for a non DIL closing. 

Additionally, I’m curious about how this would apply to properties in provinces like British Columbia, Alberta, or Ontario.

Considering that, you are likely going to see appreciation year over year, which essentially will be additional equity you'd capture just by simply living in the home. 

Additional Resources to check, 'FYIs', in case you want to learn more about rezoning in the future)-Look up your address on the city's zoning map here to see how properties in your immediate vicinity are zoned.

If the price was right on Turn-key maybe, but probably more of the fixer-upper that can be leveraged later on for additional property or sold for a nice profit.