For fix n flip, your best bet is hard money or private money lender since they close faster and has fewer requirements.

Great points listed above - especially when you get into the nuances of what 'appreciation' and 'valuation' means when you're looking at long-term investment strategies, like buy and hold - or even if you're coming into a gentrifying area and you need a solid view-point of potential ARV on a fix n' flip and how it will perform on the market.To add to the list of suggestions to be cognizant for - vet, vet, vet!

Also would it be better to wait till retirement to make this move, because my earned income will be lower, hence lower tax bracket, Y/N?

Thank you all in advance guys n gals!!

Location of property: Newport, OregonPurpose of financing: purchaseType of financing sought: Not sure, I am being gifted all equity in home and using this loan to payoff existing lenders: ~$390k first+HELOCCurrent or prior ownership of real estate: I’m part owner of a commercial property valued at $1.67mm (I own 39%)Occupancy: Mom will temporarily rent back from me while we do some fixesValue of property at present and/or your offer price: $1,100,000After repair value: SameAnticipated or actual appraisal issues: Had a recent appraisal at $1,076,000 Feb 2020 (then COVID hit and previous financing dried up)Current rents per month: $N/AFair market rents per month: $ Don’t knowDown payment or equity: Approx. $700k in equitySource of down payment funds, if applicable: Gift EquityIncome Source: Salaried W2, +Bonus, Commissions, plus commercial property incomeGross monthly income (optional): $8,750 (avg. for last year) + $3,000 from commercial propertyMonthly debt obligations appearing: $597 car payments, $54 credit card paymentFICO: 720.Credit issues: None

1% rule isnt applicable to quads n little multis.   

Looking for mastermind group to grow and collaborate...local fix n flip folks in DWF. 

The In-N-Out distribution center allows for an entirely new popular franchise to grow around its 12 hour driving radius.

NYC has been a great place to have invested in buy n hold RE.House hacking qualifies for Owner Occupied (OO) loan and in the case of a duplex, a percentage of the other unit's rent counts as income. 

If I sell my four-plex for $200k that had cost me $110k and has accumulated depr-n of $38k, the gain due to appreciation is $90k and the unrecaptured depreciation is $38k.