My daughter did the same with $20 gift cards for all & NOT a single response.

I have completed a couple deals but need to really get going to support my two kids 14 year 9th grade daughter 7 year old 1st grade son.

Their mentality was that the damage was already done, but that is not correct.

Hello,I have recently started shopping for lenders to have a cash out refinance for a second home in the Catskills.The home was bought roughly 10 years ago for $125k, we did about $60k worth of renovations and its current valuation is at least $250k.A family member with declining mental health owns the mortgage with $89k left to pay off at 5% and we would like to restructure so there are no financial ties left.Due to a spring fed water source, we have limited lender options.I spoke with a recommended local lender who claims due to us renting the home on AirBnB (we have a filed Schedule E for income on this property) it would only qualify for a commercial loan, subjecting us to a higher rate (5 - 5.75%) with variable rates after a set timeframe.Are we stuck with strictly commercial financing on this property? 

This needs to be mapped out before you leave the house, just like buying a property needs to be mapped out with relation to your goal before you buy.The challenge with asking multiple people What is your best strategy is unless they have a clear understanding of where you are going you will get completely different answers and none of them or all of them can be correct.Take the time to sharpen your mental axe before you take that swing, be as detailed as you can with end destination (What your life looks like in 30 years as a result of owning real estate) and then work it backwards.

I eventually learned that deal analysis and buying is where the money really is.I have a wife and a 10-year-old son who lives with us and a 22-year-old daughter who is struggling a lot in her life. 

So my daughter finally got her offer letter which is pretty decent.

Now I'm not saying to vocalize to the contractor that its okay to take the day of because you extended his schedule but mentally for yourself just prepare for the worst.

I emailed loan doctor and asked them about this and they never responded.I would like to put some money and my daughter would like to but I don't want to lose it. 

I want to become more involved in real estate investing so I may become more financially and time-independent plus ensure my special needs daughter will be taken care of for her future.