@Rob HendricksHere is what I typically do with my clients.

The part we are stumped on is finding buyers; we have tried some of the more typical ways.

I’m working to refine this process as I’ve just gotten professional photography done of all my buildings and I’m working to get a website and a link to an online application that I think will increase the number of actual applications I receive.

Under the Tax Cuts and Jobs Act of 2017, interest on such loans is typically deductible if used for buying, building, or substantially improving the taxpayer's home that secures the loan.

In most cases, this is enough information to figure out if you have a deal that is going to benefit the client and make sense for them (this is assuming you can get an estimated value of the home you'll be refinancing through other means, otherwise, you might also ask them for their estimate as to what their home is worth).If you're past this point of figuring out whether it's a deal that makes sense for them and you haven't run automated underwriting to determine what documentation is being asked for, here's a pretty standard list:- 2023/2022 W2s (any/all jobs worked during these years, regardless of how long they were on the job)- Most recent mortgage statement for the loan(s) you'll be paying off- Copy of their homeowner's insurance binder or contact information for their homeowner's insurance agent so that you can request this on their behalf- Most recent pay stubs covering 30 days (typically this is the last two pay stubs)- If the property is in a homeowner's association, you'll want a recent HOA statement showing how much the borrower pays for their HOA dues- Copy of the borrower's driver's license or ID card - front and back- If your deal requires an appraisal, you may want to get payment information from the client now. 

Then they continue to just flat rate charge us a fee for the water which for a typical residence 3/2 house is about $1400 per year for all the water you can use.

We haven’t received a new appraisal with the updated renovations, but we’re estimating a solid chunk of equity has been added. 

If you have two concerns just think of the reviews you might receive about those two things that you can’t change. 

If there is a fire and you haven't set up your insurance properly you could be in for a big surprise and not receive a payout.6.

You're typically subject to by the rules and laws of that state, but it streamlines the administrative procedure.2.