I offered 35k cash and was rejected no counter.Property been on the market for a year now.Was just reduced 5k this week?

You'll have the safety of having earned equity and protecting it.

In my limited experience foreclosing, we had to hire a lawyer and give different kinds of notice to our tenant & then buyer, publish in a local newspaper, and *not* earn several months of rent, plus we had to spend money  to repair damage that the disgruntled tenant buyer caused to a newly renovated property, while on the way out of said property.  

If your prior 2 years of 1099 is steady, along with current YTD earnings, and your total DTI including the monthly interest payment on the Heloc isn’t too high, then you shouldn’t have a problem getting a full doc Heloc even if you’re self employed.

I’m a carpenter in the city looking to get into Real Estate Investing to earn supplementary income.

I do rent to owns, lease/option, let the tenant earn some sweat equity and take care of the house.

Refinancing should reduce the overall payment and not increase it.

This is the sum of purchase price plus rehab dollars plus the 6 months house payment money plus a 10% to 20% emergency reserve for unexpected extra rehab costs popping up in the rehab process If you don't even need to use to 10% to 20% emergency fund then the loan reduces at the end and you don't borrow it.Example :  purchase price = 100,000 + 50,000 for rehab and 15,000 for reserve and x months of piti= 165,000 so 3.50 % down is then $ x5775.00HomeStyle is an alternative but on a 2 to 4 unit it is 25% down.

Travel rewards: Thanks to the FI community, I just earned my first 90k Chase travel rewards and I'm looking for someone knowledgeable to help me find the best way to redeem them for a trip from SFO to Geneva in Feb. 2019.

With depreciation and interest expense, you often have a net loss which reduces your tax liability to nothing.