@Andrew P.  1) as  2022 is almost  here -  consider  completing and filing the 2021 tax returns asap  and  consider having the  schedule E  for the  rental income  show as much of a   positive  net  income as possible  ...this   might  increase your tax  exposure for the year but if the  result  is  that you will be able to line up a  HELOC on your primary  property , it could be worth it 2) a  traditional  cash out  refinance  will  have the same  issue   of using the tax returns  for the  qualifying ratios  - the LTV  ( loan to  value ) for a OO triplex  isnt  very high 3) recent FED  announcement  - 3  seperate  .25%  increases   expected for  fed rate  in  2022  - this means  HELOC / prime rate will increase  by the same  amount when  these increases occur 

I find it very interesting you took the time to look after these guys and you wrote an e-mail questioning them, which I really appreciate a lot!!

My favorite podcasts are, The Real Estate Guys and The Bigger Pockets Podcast. 

Can anyone refer me to resource where I can get a MI purchase agreement that can be sent and e-singed?  

We ended up having to liquidate the properties due to unaligned interest. 

Your cash is, which comes in 2 forms:  1 - Cash Flow (liquid) and 2 - Equity (solid). 

Do you still file a form E if you are taking advantage of the FEIE and/or foreign tax credit?

Send a lease for e-signature. 

My background is in marketing, e-commerce automation, and youtube automation.

In our case, we made the effort because a) we're on our 7th property, b) we have sufficient reserves to weather ups and downs with the property c) we have an attorney we've previously worked with and trust to help us with the resident ejectment, d) the purchase price was low enough to give us sufficient room for error, e) we have contractors with whom we've worked who we believe can timely renovate the property and f) we were prepared to get it wrong and either lose money on this or sell the property at break-even, a small profit or a small loss.