Hello;Each property buyer(self-use/tenant/investor) have set of unique demands and objectives, and irrespective of firs-time or seasoned buyers typically requirements/specification are around 1] Type of Property :Depending on family or personal reasons/preference; such as a single-family home, a condominium, a commercial property, or an investment property.2] Property Location/Area:Specific needs for the neighborhood, accessibility to parks or shopping areas, or closeness to schools or public transportation when it comes to the location or area of the property.3] Property features/Amenities :May have particular demands for the property's amenities or features, such as a Size, layout, required number of bedrooms or bathrooms, a garage, or parking space, a swimming pool or outdoor area, or a particular architectural design.4] Budget:May have a budget in mind, which can be anywhere between the least and highest amount they are willing to spend.5] Timetable:May have a certain timetable in mind for buying or renting a property, which may be influenced by variables like work relocations, academic calendars, or financial objectives.6] Returns anticipated:For investment properties, clients may have certain expectations for the profits or income the property will produce, which may affect their choice of property.As an experienced realtor or cre agent; do you think there are any other areas which are either specified by clients orwhich too play very important role in understanding Client Requirements better so that what is suggested to them is fairly to stronglymatching what they are looking for and helps you shorten duration to closings?

Also what are your investment returns that you are looking for and how that may need to change based on which variable above you "settle on".

The Disadvantage of a Home Equity Line Of Credit (HLOC) is variable rate vs fixed rate.

A HELOC has a variable rate - that's not so good. 

Mainly middle/lower-income rentals with variable pricing $1,000-$1700 3br depending on the location and condition. 

In 2021, the Urban Institute examined variability in title costs in several major markets and found great variability in title charges.

Spot on.Lots of variables in each loan. 

Building opens up more issues than just buying as timeline is extended and more variables are present.You can finance an ADU, the equity bump isn't going to appraise as much as market would likely deliver.

Sounds good on paper but many variables.  

Once you have solid conservative projection from both property, then create a scenario.Would it be better if I use:1. refi2. variable HELOC3. fixed HELOC4. just sell to free up equity