My wife and I are getting into the RE sales side of things to assure we have the best access to properties, land and lenders available.

My wife and I are getting into the RE sales side of things to assure we have the best access to properties, land and lenders available.

Which I don't want to do because then I lose all the flexibility I love about the HELOC to begin with.On the subject of the large minimum monthly payment, it screwed up my debt-to-income ratio and that was one of the factors that blocked me from getting the refi I'd had planned. 

I have access to the VA loan which would allow me no money down to house hack and move out 1 year later and rent it out, refinance, wash and repeat.

House never had cert of occupancy and needs some accessibility modification for approval as well as undoing some fenestration for inspection, but is generally in sound condition.

I'm also very sick of Cuyahoga County property taxes and the lack of accessibility on the east side.

Even if you can't avoid stairs, maybe have a section of the house that's easily accessible without stairs, so that the guests don't even need the rest of the house.

They also more than likely have established relationships with vendors that you don't have access to and will provide a much better product.

There are not many people who are disciplined enough to save at the rate you have thus far.In this business both short and long term you either need money or access to it to grow and sustain, there is no way around that. 

let alone you could access their cell phone.Be that as it may.. these are business guys.. write a letter of intent.. you dont need the picture and story I doubt that will curry favor.. just be professional and make sure some one proof reads your corrispondance you dont want grammer or spelling errors or not to sound professional.