My HELOC lender does not allow electronic payments just checks, but because my contractors generally want straight cash or else electronic payment, I usually cash the checks myself and then send the payments electronically (which is not great from the perspective of my HELOC transaction history, since it looks like I was sending the money to myself only).Please help!

It's just a way for the city to collect more money, total scam.

I am a big fan of it and you managed to do without with very little money down! 

To save money on closing costs and interest.

@John DeanLet’s say you are in the 28% tax bracket - after taxes you are making 5% on that money - how much down payment the borrower puttingWould you be better to sell and collect qualified dividend income?

As I've seen for myself, after getting to know them, we asked them if they would like to leave some of their money in as equity, and they agreed.

Is it better than Hard Money loans?

I do not want to put money into stock market right now.

I would not cash out a retirement account.I would take your STR income and use the profits to pay down the money you borrowed for the STR downpayment.Leverage low interest Stafford loans for college.

(besides money lol)