How else can I raise the down payment.

I am born and raised in the Outer Sunset as well so happy to see another one us on these forums.

Many people focus on the obvious stuff like raising rents increasing economic occupancy and so on.

Hello,I'm looking to flip my first house and am hoping to use a home equity loan to fund the repairs.

They were involved in state and federally funded projects which are fairly complex as they can have multi-layered equity, subsidies and financing.

I doubt you will find anyone who will fund more than 75% but who knows.

If the ARV of the first one will be greater than when you bought it, you may be able to pull money out of the value of that one to fund and continue the other house. or if you have relatives that may want to loan you some money to finish the other house, that's another way to go.

Would you be willing to go into further detail as to how you fund your projects?

I was turned down because the bank said the property was not fund-able something to do with the HOA and they did  not go into any more detail.

@Mike BarryYes, your income will be lower both for tax purposes and for loan underwriting purposes.Lenders look at your ability to pay back the loan, and stashing money into your retirement account does limit the money available for repaying the loan.That said, declining to fund your 401k just to qualify for a loan may be short-sighted.