If traditional banks aren't providing favorable terms, consider alternative lenders like HML or PML.  

I mean, once we get off-market property and do some rehab, we can force appreciate it, but what about the later natural appreciation?

Alternatively, the Short-Term Rental (STR) loophole allows losses to offset W2 income if you materially participate.

For HELOCs without W2 income, look into local credit unions or community banks, as they often have more flexibility with alternative income verification and rental portfolios.

I wanted to reach out and ask what other alternatives to Stessa are out there.

However I wouldn't expect this to stop you from getting approved, but it may mean you should consider looking at alternative options or structure the deal in a way where you won't be caught with a net loss due to the PPP.

However, fraud is an exclusion in all insurance policies and had the option of focusing on their negligence and completely ignore the forgery where I would receive  cooperation from their insurance carrier or alternatively go for the $100K and hope I can someday turn that judgement into cash.

I'm conservative in nature, but am looking for the push to jump in at some point.

After reading this thread, a few comments come to mind over this common A or B decision.Without knowing how much it is (no need to say) makes my advice (or more accurately, my opinion) more general in nature but here it goes:Lending has very little to no tax shelters whereas buy and hold does.

Any amount over your adjusted basis in the property (initial cost minus depreciation) could be subject to capital gains tax unless you reinvest it strategically.2. 1033 Exchange (Involuntary Conversion): A 1033 exchange (involuntary conversion) is specifically designed for situations like fire, natural disasters, or eminent domain.