Else it's seen as your way or the highway.

It would actually be much easier to code in many other programming languages.From my worksheet where I calculated the interest paid each time the HELOC is paid to zero before putting a "chunk" toward the 1st mortgage:(outstanding balance) x (APR / 12) = this month's interest paymentAnother way to express that (for credit cards, for example) might be:(average daily balance) x (daily periodic rate x number of days in billing period)NOW do you see / understand the difference?

The point is that San Francisco RE is likely to do outstanding overs long hold period.  

Proximity to mass transit (mentioned by another poster re following them), proximity to downtown (maybe not so much now with work-from-home being a thing), proximity to airports, highways, pollution-belching industrial plants, hospitals, universities, the lake, etc., all help to define which South side neighborhoods have what it takes to overcome market inefficiencies and become "up and coming."

But great location, has water, electric and water nearby, close to the highway.

From there, it's a comfortable drive on the highway, which will take you a conservative maximum of 2 hours door to door.

Outstanding! 

If the borrower defaults, the lender can pursue not only the collateral but also the borrower's other assets and income to recover the outstanding amount.

Previous issues that were reported were relatively minor and were addressed a few years ago, so there’s nothing outstanding in that regard.Some title or certificate of occupancy issues can cost tens of thousands to six figures to resolve. 

You will recall that your Note allows Norada to convert the outstanding balance owed into equity and that it can redeem that equity in the future by repayment of the Note principal in full.