I want them to see the total picture and then keep whittling down to where they get close to say a 5% error rate. 

@Jordyn Ohs Assuming your heloc is re-advanceable and the rate is higher than your mortgage, I would suggest you pay your HELOC down as quickly as possible with any cash flow from the properties.

If anyone has an end lender that has successfully closed a handful occupied padsplit loans and can underwrite based off actual padsplit rents I would really appreciate an intro.

These marketers would have the novice investor believe that the narrow focused “education” they provide combined with the “holy grail” formula (wholesaling, subject to, flipping, lease option, discounted note purchase, etc.) is most, if not all, anyone needs to become “independent” and successful, usually by month 12.

And she’s the one that released the latest tax rates and year to year comparisons in September of 2024.

@Obed Calixte The memories that bring me joy from a career perspective are the times when I've had the good fortune of delivering an above-projection return after a successful investment round trip. 

interest rates and prices are basically too high right now."

The programs themselves are not guarantee to the pathway of success. 

I was just thinking today there was all this excitement about VA loan assumptions there for a while when interest rates started going up. 

Rates are high right now and I think you have a great situation here for you.