Hi, I own a house in California currently valued at about $2M.

In the future, you’ve already built in a transparency of the monetary value for the contractor position, should the salary be  “waived”, “discounted” or “delayed-til-closing” as an added investment element.  

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The 70% rule is indeed a common guideline used to evaluate BRRRR deals, ensuring that you can potentially pull most of your money out on refinance.When lenders offer DSCR (Debt Service Coverage Ratio) loans at 75% LTV (Loan-to-Value), it can change your analysis slightly.

Is it wiser  to hold the good rate or have two properties  increasing in value ?

If the POHs are in subpar condition but occupied, would you fix them up a little and sell at a higher value, or leave as is and sell for what they’re worth in the current condition? 

Offer only the land value . 

How did you add value to the deal?

I'd be sure to network and bring some value to them as well. 

Some DSCR lenders would even utilize the After Repair Value and can still be vacant if you are completing the rehab.Good luck, happy to explain further if needed.