Would you consider this remnant?

Is this a fair assumption?  

This is a Heloc on my primary.  

Looks like an infill lot…how long has it taken to get to this point?  

It sounds great, but it's all just words at this point - speaking from the experience as both an operator, broker, as well as someone that has experimented first hand with different tools. 

I purchased a duplex in May of this year and moved into the bottom unit with the intention of renting the top unit as well as the sf I moved out of which would put me in positive cashflow (the top unit of the duplex does not cover the duplex mortgage entirely on its own). 

This is the perfect place to connect with like-minded people, gain insights, and grow in your real estate journey.

This last time I was told the loan was approved and a commitment letter was coming out on Friday.

Granted this charge could be the one from 1996?

It's because you aren't really reading and taking in the information, you are trying for short cuts to get people to qualify your vision.