We'll be paying for the first half of the build via a HELOC on our primary residence.

Despite economic fluctuations, the fundamental need for residences, whether for living or investment purposes, continues to drive the market forward.

With a strong interest in the field, I’m here to dive deep into real estate investment, aiming to grow and learn from this community’s vast experiences.Currently residing in the Bay Area, I’m fascinated by the dynamism of our local market but am equally interested in exploring investment opportunities beyond, including other cities and states.

People think "Why would the bank care, they are getting their money".

The other key is to be careful not to enter the market too late! 

they couldn't care less that you misread the comps - you'll have to cover whatever the difference is with your own cash.

@Chris Combado, Publication 523 from the IRS lays out the requirements to extend that window for selling your primary residence. 

Right now, my tenants will help to pay the down payment for the year and I will take care of the mortgage, I just don't understand a 100% the cash out refinance and how to find the right property to do it.

Make connections with neighborhood residents, real estate agents, and investors in your area to get knowledge from their experiences.

It's best to start in your own backyard, but if your immediate area has less than 400,000 residents, then consider going to a virtual market- Connect with as many agents, contractors, property managers, attorneys, and title companies as you can.