They're available to literally EVERYONE.   

I can quite literally build another SFH or 2 ADUs bc of the zoning on my lot which absolutely justifies my investment at today’s ‘high’ prices.

We have had guests literally not leave our property for days at a time.

Literally just landed couple hours ago from my Mexico trip.

There is a 10+ unit SFH subdivision currently going in literally right next door, that are selling for $300+, so our property is appreciating in value substantially with or without us building. 

Negotiations are much quicker just a year later when inventory is literally half of what it was when they bought and sellers have as much power as they've ever had.Repair/rehab costsBuyers intended to rent the two basement bedrooms out separately either as a short-term rental/Airbnb model or a mid-term rental.

It's not possible to save a dollar on fees or monthly payments if you don't get into contract - in that case, the interest rate is 0%, monthly payments are $0, and loan balance is $0, so you do literally have the best possible mortgage at all, but the downside is that you do not own a home.You get 5 cards when you play poker.

I had no I idea what I was doing, it literally took blood, sweat and tears but three years later, I have great tenant and I've learned so much.

It is literally the only thing holding up my refi.

I did this with an owner occupied loan.My intention with the cash that I have pulled out is to convert my garage into an ADU and to purchase a 2-4 unit property within the city of Long Beach to start house hacking(ideally with a conventional 5% loan).I was wondering what I need to do to get approved by lenders/ underwriters in the very near term despite my new loan being quite literally just a few days old.