Imagine we reach a time where interest rates are higher so it is harder to get qualified, your HELOC balloon is coming due and they will not renew.I'd put in place some permanent financing on you long-term holdings.

I've seen allot of social media about trusts and holding companies and I don't want to get too complicated but want to protect myself and family from legal issues that could arise......Thanks again for your advice!

I basically have no idea who to use and am looking for suggestions/anyone who has worked with them before (or another lender with a similar requirement).

We ended up going the HELOC route on that property for a few reasons. 1) the interest at the time was only 5%, which although seemed high, didn't matter too much with our potential property showing a 18% ROI 2) we leveraged a second home loan with 10% down for that new property, so our HELOC withdrawal was relatively small compared to what would be needed for a traditional loan on a rental. 3) I dont think I will see the rates in the 2% again in my lifetime, so figured I should hold on to that "free money" instead of selling it. 

If it appears they have moved improperly, it might be a good idea to get the assistance of a lawyer.Unfortunately, you have learned the hard way the biggest weakness of condos and townhomes for investing: The HOA board can dismantle your investment returns with a simple vote.

But, I'm looking to buy and hold to build more of a track record.

Investment Info:Single-family residence buy & hold investment in The Villages.

They can hold the asset or they can buy a stock or ETF.

Some long term holds  NN  building and rentals that have zero debt..

I'm just trying to get an idea of what other people have run into using them.