But it gives you a chance to get a fresh start....make your place nicer, replace appliances, new paint, get rid of carpet and replace with LVP, Etc....

The latest example, we had a set out (Sheriff watches over as old tenant's stuff is removed from the property) on Dec 13th. 

Oregon Coast would be a great place for some fresh boutique hotels! 

For example, if you have $130K in equity, you might get $100K-$110K available in a HELOC.Look for a fixed-rate option for the HELOC to avoid rising rates.

Then connect with some hard money lenders (you can find some here on BP as well as some who are typing this right now) and connect with them to understand their product type, what they like to lend on and requirements.Hard money broker is all numbers game of making relationships and helping those that are looking for financing, it starts out slow but if you get with a few good borrowers and lenders it can be pretty decent money to be made.As an example we paid six figures last year to HM brokers. 

If I had just bought this property and could force some appreciation, I could refinance and hopefully extract that equity within a year, for example--but since this house is paid off, refinancing would introduce a new mortgage payment.What are the options here?

For example, say I have a foreclosure, or expired listing lead that I would like to find accurate phone numbers for for prospecting.

For example, stating a component of fraud, or theft by swindle.

A fresh coat of paint can do wonders along with cleaning the carpet or using something like rejuvenate on laminate floors.

Example - borrower uses loan to purchase a home in a B or C grade neighborhood for 380k, spends 50k rehabbing primary home, uses 200k to put an ADU in the back, appraisal comes back at 925k.