It was being accepted about the time I wrote this original question.

Tenant, what you've been doing is not acceptable.

Option 2: take full 50k purchase, if they will accept offer,then refi that one to pay off the 20k remod from second SFR.

Your choices are accept that tonight you dine on a Whopper or pay McDonalds and get your Big Mac.Good Luck!

I don't know squat about NY RE, but it sounds like these sellers are trying to exclude folks using HML, and look for only a) All cash buyers or b) HELOC buyers.If you want to play in this arena, and that is what is going down, I'd suggest opening a HELOC on some other property you own with the highest maximum credit line that your equity position will allow but a $0 current balance.Offer accepted, max out the HELOC, funds arrive next day, show proof to seller.Then you would use the HML to pay off the HELOC a few weeks later, if you'd prefer that the debt be secured by the subject property.

You can accept and transfer money from checking accounts for free too!

If my "meh whatevs" offer on A were accepted, awesome, I'll freaking take it.If it wasn't, I'd be more aggressive on B.Remember that you aren't actually in contract right now for EITHER property.

I wanted to steal it so I offered lower than I knew would be accepted but u never know so I tried.  

Once you have a tenant in place and they are paying rent you can set the tone by accepting texts only and returning calls and texts promptly.

As long as I remember to add off-site reservations to VRBO, I can accept instant book reservations on all my listings without the fear of double booking.