Looking out for suggestions @Kaushik SarkarIf the equity in your properties is your only source for new investing, and the new property you are buying still cash-flow's with the cost of your borrowed money (from your properties), there is no reason to not use it as an investment vehicle.  

Have not had a 'issue' selling in the past five years..I would say the additional development cost of an extra bedroom/bathroom are probably well worth it in the long run..Good luck. 

But I guess a lot of you seem to think that extra cost is negligible if I am refinancing anyway.

Make clear plans, use no-cost tools, study areas, spot deals, and move forward.

(Loan to Cost) Can you find a private guy to lend you high LTV for short term?

He is also using a HELOC to pay for the turnover costs of losing his long term tenant and making it rent ready.  

Moreover, the typical listed home price has grown by 37.5% compared with May 2019, but the price per square foot grew by 52.7%.While the typical home for sale is listed at a similar price to last year, higher mortgage rates compared with last May still increased the monthly cost of financing 80% of the median home by roughly $158 (7.1%) compared with a year ago.

@Victor HongEven if you have had multiple claims, the state will provide insurance but the cost is going to be astronomical Why can you not get insurance ?

That cost about $400K from our proceeds.

The purchase price was 395k and furnishings cost about 20k.