This is why it is first and foremost critical to understand the costs of owning a note.Things like legal fees, servicing, and insurance are all getting more expensive.

Is it a legal reason if both tenants paid a $39 fee and put in application and I deny one of them because the other tenant is willing to pay more rent ? 

Lender communication was trash but fees were excellent (Universal Financial Mortgage Group).

I want to pay my credit cards off ($15k) and adopt children (estimated to cost $10-15k) My company will reimburse me the adoption fees, but not until it's finalized so I am hoping to do a HELOC so I can re-use that monies later on for bonus items like a pool or something fun for the kids.

Not sure how long you have been around, but when markets soften, these types of assets get crushed because vacancy rates increase which causes condo fees to increase due to the amount of delinquency on the books.

I'm originally from San Francisco, CA and started investing in 2021.

The only other thing I probably should have originally added (if it changes anyone’s thoughts) is that the property is next door to another house that is connected by a wall.

Originally from Oregon so I can give you all the reasons not to live there and why the 2 month long summer is amazing!

They charge an acquisition, disposition and management fees.

Best rate I've gotten so far is high 6 and low 7's with 1.5point fee in a 30yr.I've gotten one lender willing to lend.