We have a company that buys Non-Performing Loans and, as a secured creditor, we love seeing BK paperwork.

I have good personal credit (~730-740), average-high personal debt (mortgage, student loans, vehicles,) and I am employed making $90k/year.

If they do, conduct a financial screening to confirm they can afford the rent increase.All of this is predicated on state laws.

I'm particularly passionate about house hacking.Outside of real estate, I enjoy playing pickleball, paddleboarding, and learning about how to become financially independent.Excited to learn and connect with you all!

Additionally this hard money lender is at 75% loan to value are there any lenders offering 80%?

Who is giving out killer rates right now on jumbo loans?

I did a 7.5% down conventional loan. 

For the first four properties that I purchased, the loan officers sent me "initial disclosures" which clearly stated the interest rate expected closing, expected monthly payment etc. 

just be cautious when it comes to using these. ensure you've got a plan to pay that balance back in a relatively quick fashion as most HELOC rates can fluctuate which could make the numbers suddenly not work. i've leveraged mine in instances where i'm doing a BRRR and i want the deposit for a private money loan. i'm not using it as my downpayment and leaving it out there for a long period of time. 

.$2M in, at this future time, lightly levered RE.Supposing this is close to what you’d love, one could spit out a financial plan that looked something like the following:- Max HSA- Max 401(k)Use leftovers to go on a shopping spree buying RE at relatively low leverage, potentially on 15 year mortgages, in local LCOL area (which probably also means a relatively reasonable cash flow market)Obviously I’m making a ton of assumptions here and will be wrong in ten places.