I am clearly concerned with inadvertently committing any type of mortgage fraud, but also don't want an empty unit that can be generating cash flow for me when I am away.2: Would it be wiser to get a few fix and flips under my belt via HML/Private Lenders to build liquid funds and then use that to start investing in multi-family rentals via Brrrr3: Lastly, do many of you use HML for your initial purchase of a Brrrr property?

Lease expiration date?   

Also, most title companies (in larger counties) will e-file...especially if they're on the hook for the gap period.

@Ramon E AlvarezHaha, knowing banks and their abilities to build tech...it would be a century before they get anywhere close.

I do not use more than 50%, just in case there is a shift in the market, but it has helped me invest in deals without having to liquidate my portfolio.

We prefer to wait until they expire and then talk with the seller. 

@Lynnette E.

Ideally, I'm looking at doing a renovation loan because I don't have the liquid cash to do renovations unless I drain most of my savings. 

One of the overwhelming things that keeps people from taking action and investing in real estate, is not knowing what their options are, what their borrowing power and options are, what their financial costs and requirements will be to buy, and then to make payments, what their return for that investment will be (income, appreciation, liquidity).

I have about $20k in liquid capital that I can use for either option.