Another benefit is the ability to pull supplemental loans versus full refis (pro or con depending on where interest rates move).The main objective is weighing these pros and cons of each.  

@Gabriel Almendariz the first place to start is by clearly defining your investment objectives and criteria.

This doesn't mean they can't provide helpful advice, but it underscores the importance of carefully assessing their suggestions and ensuring they align with your long-term financial objectives.● To understand an advisor's financial decisions, looking at their net worth is helpful.

There is no one objective "best". 

Acceptance of a contractual relationship is one thing, if you have control over the matter or if you can object.

What I objected to is the quote where you said a STR doesn't add value to the home. 

Set some clear objectives that you want to hit and write down what you really want.

I'll try to be objective here but I think you'll find that Sherpa has very high quality skip tracing as well.

Now I have to admit that we had a little bit of money; enough to show an HML that we had the 20%, but our objective was not to use our 20%.

The previous owners could object but they would have to prove something was unlawful about the IRS seizing their land and auctioning it off.