For example, with the numbers you mentioned and at 3 months seasoning, you can get 75% of 250k which would allow you to get all of the purchase and renovation costs after the refinance.If you are looking to get the purchase and renovation costs back within 12 months, you would want to look for a lender/broker that can achieve this with short seasoning period.

well going to Nuk on them sure wont achieve the return of investment all but assures a wipe out.  

Live in the hipster Roosevelt district and can target struggling artist types, Tempe college students etc? 

How important is it for me to be able to easily visit my target market? 

If you’re targeting a refinance for next year, it could be advantageous to wait and monitor the market.Overall, if you're not in a rush for another project and don't need immediate access to more capital, it might make sense to hold off on the HELOC and refinance together in 2025.

But you’d have to target the <5% that are privately managed by newbies.

Since you and your wife have renovation skills, targeting properties that need minor improvements can maximize your return on investment while minimizing the time and cost associated with major renovations.

I wanted a cohesive, fairly upscale look, so bought new from a variety of places including a local furniture store, Amazon, Wayfair, Target online, Home Depot online, Pottery Barn, Article, and others.

We found this lead through SMS marketing targeting tired landlords.

An 800 credit score it achievable as I have had one for years but I will say maintaining it while doing real estate has been a challenge only because when taking out mortgages they show up as hard inquires which impacts your score.Number one thing is to not miss or be late on any payments.