That said it has become an issue in the recent purchase of my personal home.

We kick that person out and got a bill for $30,000.

If you can refinance and just pay off debts you can take out a personal loan after the refinance up to $50K.

That's a tough way to make a living man.I agree 3 to meetings a week is ridiculous number one when you are sober and you have to find a job you don't have any money you don't have any resources and in certain recovery houses they make you get up at a certain time in the morning and leave the house to go find a job and you have to be gone for so many hours just trying to go find a job I've done these programs going to meetings and constantly talking about drugs and alcohol and listening to people's stories is I think half of the reason why people go back to using I went to an AA or NA rodeo one day on a Saturday and for 5 hours all they did was have people get up there and tell their sob story about addiction and about that lifestyle it depressed me it showed me how not to run a sober house how to not run a halfway house The halfway house is a joke because they have you leave the house by 8:00 or 9:00 in the morning and give you no guidance give you no help give you nothing to get you to where you going to be and really help you get a job I was in a position where I was in Pennsylvania and a halfway house that made you leave by 9:00 in the morning and you can come back until 4:00 or 5:00 in the afternoon I had no money I had no phone I had basically no resources and no knowledge of where I was even at I stayed sober thank God I went to meetings but sometimes I couldn't get to a meeting that they required because I had no way of getting there in the time of night that they had the meetings and after being gone all day trying to find a job it was a ridiculous self-sabotaging program then I got in touch with another program and they suggested a sober house because I would have more leeway unless restrictions and by the way at the recovery house halfway house that I was at My last night there or the second to the last night that I was there One of the roommates was doing heroin the whole night in and out of the bathroom up and down and it was very distracting and nobody said anything I didn't get any sleep because she was up and down the whole night and I knew what she was doing I felt her energy The 12-step program the AA program is not a bad program but it didn't help me stay sober I kept myself sober personally if I had a halfway house or a sober house I would require only one meeting per week but I would also require an hour everyday of journaling and some kind of education as far as to their goals and and to their plan of action and dreams and desires I would do a totally different program because I've been in that position if I would have kept going to meetings and doing that kind of program I would have began using again the sober house doesn't require 10,000 meetings it's too much for a person and it only puts your mind in a mentality and the thought to use again and the desire and the trigger...

I personally have used a heloc to purchase and renovate an investment property, like you mentioned I cashed out at the end and paid back the heloc. 

A Comprehensive Guide to Homebuying, it's essential to be thorough and methodical to ensure you're making an informed decision but draw boundaries, it's okay to open built-in closets and kitchen cabinets to assess the property, However, respect the seller's privacy by not invading their personal space, such as medicine cabinets, storage boxes, or clothing drawers,Interior:Architectural style.Bedroom and bathroom count, size, and location.Closet and storage space.Number of floors.Sightlines and general floorplan.Appliance age and condition.Light switches and socket count.Plumbing and water pressure.Natural light and views.Noise levels.Stairway width and type.Porches and decks.Garage and parking capacity.Proximity to neighboring homes.Remodeling opportunities.Exterior:Roof and siding condition.Landscaping and outdoor maintenance needs.Additional Considerations:Take notes and photos during the tour.Use your five senses to assess the home's condition.Ask your real estate agent questions about the home's features, flaws, and market conditions.Red Flags:Overly scented rooms.Water stains and damage.Lack of maintenance.Foundation issues.Sagging ceiling.Fresh paint that may be covering up issues.Final Tips:Be prepared to make multiple offers before finding the right home at the right price.Stick to your budget when making an offer.Don't overlook potential red flags just because you love a home.

We've never used hard money or personal loans before, but do have 2 cash-flowing rentals and a primary.

There might be only one person in the whole show with 100’s of vendors and and thousands of visitors making money.

It all comes down to personal preference. 

Hi Eddie, I specialize in non-QM products such as DSCR.