That is just about the only areas I would look at, and even then you need to be picky.

Are your agents you are working with explaining the differences (for areas it is just now affecting)?

Hi, I’ve been researching and contemplating on which area of real estate I should invest in.

This could be huge, or something like the ADU legislation that came out in 2017 and then revamping in 2020 due to convoluted items that made the building very strict to almost nonexistent.The main reason ADUs are hard to get the best value for now is that the appraisals come in short (depending on the comps in the area of course).

You are a lurker - no photo, no name.

They are a great way to meet other local investors and learn about market trends.

I’ve noticed a few areas of concern (or red flags) during my research that I’d like to verify after digging through forums.

If you go through a bank or traditional lender, they will report your mortgage, but at this point the DSCR rates are as good or better than the traditional mortgage rates, and the LTV are the same.   

So there - I don't think helocs are a long term solution, but until we get to the point that rates are sufficiently low, we can use them to get equity from homes and continue to grow our portfolio.

Hi @Carlos Scarpero,  I’m an investor in the Dayton and Cincinnati area and I’ve been both a private lender and private borrower.