No they did not but I've only put out numerous email inquiries;however, the answer from ALL has either been No or we don't do HELOC at all.Regarding your comment on the proposed solution, I'm not sure i follow.

Hi Jared - generally this is going to be between 75 bps and 100 bps higher in rate for DSCR Loans but it can varySharing this article on BRRRR Method refinancing that was published here on BP last year that addresses your exact questions and needs, hope it helps!

Take a look at BP's blog where new articles are published every day: https://www.biggerpockets.com/blog4.

From this page:https://help.pricelabs.co/portal/en/kb/articles/adj Case 2: When to apply a premium on Adjacent Factor?

I was just reading some articles that echo that information. 

I have a PhD in Theoretical Chemistry/Quantum Dynamics... https://pubs.aip.org/aip/jcp/article/142/24/244112/74387 ... and I literally designed and built my own house off of 30A in Florida ... https://www.scenicsir.com/homes/242-Blue-Gulf-Drive/Santa-Ro... ....

Having read extensively on the subject and listened to numerous podcasts, I'm excited to get started.

Take a look at BP's blog where new articles are published every day: https://www.biggerpockets.com/blog4.

They'll have numerous articles and contacts highlighted monthly that will give you an education in itself over time.

Per this NY Times article, the average American knows around 600 people.https://www.nytimes.com/2013/02/19/science/the-average-american-knows-how-many-people.html#:~:text=The%20average%20American%20knows%20about,do%20you%20know%20named%20Kevin%3FPer the US Census Bureau, the average American moves 11.7 time in their life, which based upon an approximate lifespan of 84 years, works out to be about every 7 years.https://www.census.gov/topics/population/migration/guidance/calculating-migration-expectancy.html#:~:text=Using%202007%20ACS%20data%2C%20it,one%20move%20per%20single%20yearSo, if the average American knows 600 people and they each move about every 7 years, that means that the average American knows around 85 people that move in any given year.How many of those moves do you want to be involved in?