@Amedeo Conta,Independent mortgage brokers very rarely do stand-alone HELOCs (80/10/10 = example of not stand-alone), so yup it's local/regional depository institution (bank or CU), or big national box brand of same.

This is the ultimate conundrum for us, and we’re often led to believe that investing in multi family units remotely in cheaper but growing areas of the Midwest while continuing to rent in Brooklyn makes more sense for our goal of achieving financial independence within the next decade.Any thoughts, tips on areas I may be missing or opinions on the numbers in areas I mentioned would be greatly appreciated!

.), your money (as a solo independent agent) comes from closing on deals.

-use an independent agent or broker to ensure you have the right coverage for your circumstances.Good luck.

An independent mortgage broker local to you in (what you have listed as) "New your city" can collect once and run it with dozens of banks and mortgage companies without them getting your info until it's a live in escrow deal.

Also confirm that the loan has a release clause so you can sell the properties independently.

They had 3 young adults living with them ("day & nightcare" ) not ready to be independent.

You need to see out other Agents (preferably Independent Agents) for quotes.

What you can invest in depends on what the plan documents allow - the plan documents of one plan provider don't allow for investing in real estate (i.e. the brokerage) vs the plan documents of the other Solo 401k plan provider do allow for such investments. 

Financial independence in 5-10-20 years?