:-(Best feature ever on a phone:  in iOS go to settings -> Phone -> Silence Unknown CallersYou say they find a way to slip though but it has worked for me.  

If you're a Mac/iOS person, OmniFocus (https://www.omnigroup.com/omni...) is an app that you can use to easily implement the GTD method (see book Getting Things Done, by David Allen - https://gettingthingsdone.com/).

First CommonwealthFirst Midwest, up to 90% Chicago areaFirst Republic - CaliforniaFulton BankGFA Federal Credit Union 10 yr draw, 10 yr repay, MAGranite State CU, NH 90-100%Great Lakes Credit Union Veritex , Texas HELOCHSBC 70%, for premier clients only Huntington 75% LTV 5 yr IO product available Hurst Lending and Insurance Investment property HELOC in Texas.

Usually we will do 1 or 2 years of I/O depending on the project, and then refinance year 3-4 has been where we've been landing at for a lot of our deals.

Benefits there are still the option of a 30-yr fully fixed mortgage, possible I/O options for a portion of the term (if desired) among others, and generally less documentation (no underwriting of tax returns, W-2's or 1099's, paystubs etc).

Bridge loans are interest-only, expect rates in the 8% - 10% range for that, but again it's io and there's no escrow for taxes/insurance.

50% down, io, balance due in a year?

"Defer My Pay" is a great app for IOS and Android users that allows two parties to spread payments out over a few months to get the debtor out of a rough patch and allows the creditor to receive payments over time.

Kyle PotswaldCitizens first position HELOC CMG a financial 70% LTVEast West Bank, up to 60% LTV with "no docs” Figure 80% on a rental, not in LLC FirstBank CO a and AZ 75% LTVFirst Florida Credit Union https://firstflorida.cumortgagecenter.com First CommonwealthFirst Midwest, up to 90% Chicago areaFirst Republic - CaliforniaFulton BankGFA Federal Credit Union 10 yr draw, 10 yr repay, MAGranite State CU, NH 90-100%Great Lakes Credit Union Veritex , Texas HELOCHSBC 70%, for premier clients only Horizon, Kalamazoo MichiganHuntington 75% LTV 5 yr IO product available Hurst Lending and Insurance Investment property HELOC in Texas.

85% LTV from a local bank. 6 months i/o. 25 year amortization. 9 year term, with rate adjustments in years 4 and 7.