Providing you can have loans secured on your property up to 75% of its value,  I think the correct  calculation is (230*0.75) - 42 : Which gives you 130k yes, you're right, thanks We recently set a HELOC with American Heritage credit union with a fixed rate of 3.99%, 3 years draw period and 10 years Amortization period .

I have been in hospitality my entire adult life, and am the General Manager of the Fountaingrove Inn, a full service hotel in Santa Rosa which unfortunately burned down in the fire, along with the Hilton next to us. 

I'm looking for some advice regarding the transfer of property from my in-laws to their 3 adult daughters.

The location is just off post and the layout of the home caters to the American family, as the layout is very open and spacious. 

There's no fee for my application, but there is a $30/per adult fee for the background/credit check. 

Especially Americans are so focused on work that it's easy to forget to enjoy life along the way.

But I can't ever get out of my head the many lovely episodes of American Greed. 

The Lessor shall not lease or sell any units within the Building, Shopping Center or Property to the following user(s): a) Adult video/Adult entertainment stores; b) Abortion offices/facilities; c) Alcohol/Drug rehabilitation offices/facilities; d) Off-track betting establishments; e) Offices or entities that sell, barter, trade, buy, or dispenses marijuana, for medical use or otherwise; or f) Probation/parole offices.

What do you do if a homeowner dies and they’re adult child is still living in the house, but they don’t have any info about the bank or loans?

Interesting but sobering article on those who fall on hard times & for many reasons could not prepare for the inevitable .... retirement.https://www.marketwatch.com/story/many-older-americans-are-living-a-desperate-nomadic-life-2017-11-06