I'm seeing rates ranging from 3.5-5% depending on the market and borrower.

Loan assumptions are when the lender allows a new borrower to step into the original borrower's shoes and take over payments on the balance of the original loan.

Where the models have the most trouble is with home equity lines of credit (HELOCs), as that loan could be open and have a zero balance, or the borrower could have used the entire line.Overall estimated equity is a great tool for narrowing the field to properties that are likely underwater, owned free and clear, fully encumbered, etc, around which many real estate investing strategies, including most creative financing strategies are based.

That section is in relation to a time limit to be able to pursue action against a defaulted borrower in GA.Fannie Mae is saying they will not agree to this for GA.The word ALL means everything.

So as things go, my little fix and flip business is starting to grow and I am starting to think about borrowing against my rental property to fund more flips.

I had to borrow the money for the seminar from my boss.

With you not being here, I'd say it's the same answer as above, unless you have cash assets here assigned or it might be possible with hard money lenders working off the loan to value alone and don't care if the borrower has income or credit here.

I would think that you borrow against "real" assetts as long as you have proof and use them as collateral.

Borrow from my own 401k retirement account and pay down the principle.

Or if you want to do fix-n-flips, you can borrow money from private lenders or hard money lenders.