Aloha Roque, I hope your trip goes well.

Hope this helps get you started!

I am trying to decide what I would lose by not working with this individual with a good track record and a large YouTube following.

I hope that helps! 

Every time I have more than like 10 offers out I start to lose track of the conversations and details. 

Hey Byron,So the advantage of doing Refi compared to a HELOC is that the heloc is personally backed to some degree while a DSCR refi is backed by the (hopefully) cash-flowing asset.

Commenting on this post to hopefully give you some more reach. 

Hope everything works out for you in the end!

Unsuccessful Property Search: Hours spent on unsuccessful property searches, where no purchase is made, do not qualify.On-Call Periods: Instances where you are on-call but do not actively perform work do not count towards material participation.Meeting Requirements:Maintain Detailed Records: Keep accurate time logs and records documenting your involvement in material participation activities, supported by evidence such as emails and calendar appointments.Seek Professional Guidance: Collaborate with a qualified tax professional to ensure compliance with IRS regulations and to optimize your material participation strategy.I hope this high-level overview gives you insight into what activities matter and ones that do not.

Hopefully someone local can give you some insight.