If appreciation is your play, just know you’re betting on future market growth, which isn’t guaranteed.

If I did I would been out of my 9-5 4 years earlier I bet. 

Best bet?

Beware of just anyone doing these as you could be subject to an audit, and a group that does not follow proper IRS guidelines could ultimately get you in trouble.

Your best bet is a property on water and sewer in a non HOA community and either convert the garage to an ADU or Build a separate ADU .

Your lender likely is referring only to Fannie Mae guidelines.

If you don’t urgently need the money, letting appreciation and rent growth work in your favor for another year or two might put you in a much stronger spot.If your goal is to stay liquid while keeping expenses low, a HELOC is probably your best bet for now.

Either way there are ways to account for that income within guidelines for a few different programs, but if it would be helpful to go through some of those to see if that might work feel free to reach out.

Thanks, sounds like HELOC is my best bet.

That’s definitely a good bet.