I dont know if you can link on here, if not I’ll point you to their PDF.https://www.cslb.ca.gov/Resour...

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What can happen if I decide not to meet their reserve if they ask us to increase our offer?

I'm here to learn as much as I can about real estate because I am looking to invest in properties near my area which is metro Detroit.

@Daniel Correa I know an investor or two in the area that you can connect with that could possibly help you out.

How can I optimize my situation to be at least break even or, even is short term like air bnbs andvacasas reay good?

You can control a lot of aspects of the loan including LTV, length, type, and where to deploy the funds (BRRRR, flip, new construction).

It’s true that you can have a 10 percent down and have it classify as investment property for tax purposes as long as you can meet the irs definition of investment property while also meeting your lenders occupancy requirement. 

As you can see, Gastonia is consistently making the TOP ROI list, as well as Kannapolis!

Can the lender still file the lien after-the-fact as long as the promissory note clearly indicated that the intent was for the subject property to be collateral?