Consider joining online forums or groups related to real estate investing, where you can network and learn from others.

Reach out if you’d like to discuss the process further and get you prepared.I seek a product that shortens the 3 weeks down to 1 day where the lender makes the decision based on criteria that will be real in the future and is easy validatable when everyone is at the closing table. 

I’m just starting to explore the world of real estate investing here in the Bay Area.

Depreciation, mileage, home office, meals, 401k (assuming earned income a real estate biz) are all things to consider when wanting income higher so you can have more access to capital.Most decent lenders will give you credit for depreciation, however.

Hi all, trying to get a HELOC on my primary residence and having a hard time finding a bank that counts depreciation towards income

@Eran WithanaI recommend finding an accountant who specializes in real estate taxation, tax planning and financial planning.

Quote from @Laura Krukowski: I am a real estate agent in the Catskills if you need any assistance in buying!

You may want to get some ideas by attending your local real estate investment club to see if anyone has ever done this before and their thoughts. 

They just did a podcast on a couple that does this on the Real Estate Rookie podcast. 

I forget the number right now but if you are within I think 5 days from sale date the lender isn't obligated to reinstate, but still may.You may be able to delay the foreclosure by simply asking for more time, you are now the property owner and have some sway.A couple observations:You don't have title insurance as no title company will insure a trustee's deed in CA, so that won't help you.You won the auction based on your commitment to occupy the property (SB1079), so this is not a quick flip.To buy time and delay foreclosure you can file a stripped down bankruptcy.You can't stop payment on the 86k wining bid since you paid cash at the trustee sale.Generally trustee sale buyers don't have a real good feeling for the property condition, unless you do for some reason, so this is a wild card.