I presume they had a kitchen sink, so the sink is not a relevant issue related to habitability.

I made a substantial down payment, so I could potentially pay off the house in about 4 years with my current income.

I am still employed full-time, but I work from home so I have more time than most still stuck in the rat race, so I'm hoping to have a plan and a strategy by the end of 2024. 

So far I would say it has been a good investment but I don't really know how big I can scale it or how long it will take.At the same time, if there's a big investor looking for someone to help manage their portfolio in NYC or Long Island I would be open to jump on board so I can learn as well.

So if CoC is your metric, look elsewhere. 2.

I have called 20 banks and no one does a 1st lien on investment properties except 1 stated they would if owner occupied.During the research I read a website, which stated that 1st lien HELOCS on non-occupied are illegal and not allowed by Federal Law.Anyone know if this is true?

-Scott  you can call them and fight it, and fight it on your credit report as well. 

We had 2.2 months of inventory in August that is up from last years months of inventory of 1.4 months back in August 2023.We also have had a nice drop in mortgage rates the last several months so I am just hoping rates stay low and inventory increases even more so that we have a lot more real estate sales this winter. 

So after over a decade of BRRRR we had to adjust.

If so, where could I get one with out having to to to a lawyer to write one up?