:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Most banks or credit unions simply wont do them post the GFC..

I'd imagine the interest rate plays a large role in what discount is given, along with house value, down payment and credit score of mortgagor.

Traditional banks sometimes balk at it because they see it as riskier, but local credit unions or regional banks tend to be more open to it, especially if you can show a solid plan for development or resale.

My score is 810 with no debt.  

Another option would be local banks/credit unions since they are known to lend on smaller amounts like thisMaybe @Owen Dashner can help?

What you can also do is take a look at any high interest credit cards that you can consolidate to maximize the monthly savings and reduce monthly total debt.Cash out refinance is tax free and cannot be touched or taken back but a Heloc can be reduced or closed if you miss a payment, credit score drops, or your DTI increases.

It offers a secure and transparent process for both buyers and sellers.NoteTrader Exchange: An online marketplace where you can list your note for potential buyers.LoanMLS: A marketplace for buying and selling mortgage loans and notes.FCI Exchange: Another platform where you can list and sell your notes to investors.Note Investing Forums and CommunitiesBiggerPockets: A popular real estate investing community where you can network with potential note buyers.LinkedIn Groups: Join groups focused on note investing and real estate to connect with potential buyers.National Note Group: An online community where you can connect with other note investors.Note Brokers and BuyersNote Brokers: Engage with reputable note brokers who have access to a network of note buyers.Local Real Estate Investor Groups: Attend meetings and network with local investors who might be interested in purchasing your note.Financial InstitutionsCredit Unions and Community Banks: These institutions may be interested in purchasing performing notes.Private Equity Firms: Some firms specialize in acquiring performing mortgage notes.I hope this give some direction regarding your situation.

Here is a fantastic website that gives you a LIVABILITY score for each zip code/street.

It is expensive but money is not cheap at all nowadays and as others mentioned even getting a LOC against a rental property is a huge score as not many lenders are lending on that product.Question I have is what are you using the $ for and can you earn it back?