I'm originally from San Francisco and ran into that same issue back in 2021.

This is sending up some prickly hairs on my back.

I really did consider the LLC until my lender said it could not happen under my original loan. 

Quote from @Dongzi Wu: The original one was deleted, creating this new one. 

If you liked the working on houses repeat and rent out the original house (and learn if you like being a landlord).

It’s so serious that, beginning January 1st in California, any lender who knowingly originates a consumer-purpose loan misrepresented as a business-purpose loan can face criminal charges and jail time.

Purchase price: $125,000 Cash invested: $25,000 Sale price: $230,000 Bought the property about 4 years ago, originally it was a 2-family rental.

I believe that the ARV I originally thought was correct of 160-165k which after a cash out refi will get me my money back and then be about break even.

@Scott Trench what happened to the original thread?

@Paul Cox @Sarah Kensinger There is a lot to it obviously but one newer trick I learned is a site called seats.aero where you can put in your origin, destination, and dates and it will return a lot of results across all rewards programs.Using the above example I am actually flying on United but I booked through Aeroplan (Air Canada) which is a partner of United.