Has anyone found lenders (preferably credit unions or small local banks) that do HELOCs on investment properties, or are okay with a tax return that shows income generated occasionally on a 2nd home?

So all the rental income is passive for tax purposes. 

SECRETS OF THE MILLIONAIRE MIND (BY T HARV EKER)https://www.amazon.com/Building-Wealth-One-House-Time/dp/007...

I have been passionate about building wealth and independence for years and decided to get my real estate license in early 2023.

@Michael Elefante now that you are making money look into starting a Solo401k to decrease your taxes and defer or have future RE gains and cash flow 100% tax free.

Findout what form is issued(bank) and ask the IRS where it is captured on the tax form.

But what a lot of people don't talk about when discussing the Cleveland real estate market is how much they're building up the downtown Cleveland and University Circle areas. 

Another thought is you have more control with 20% because you can choose the insurance, and stay in control of your money longer by paying your own taxes.

He permitted me to a recreational building permit so I can finish it but limits it from a perm bathroom and kitchen and he came as close as possible to saying after inspection I’m fine to do whatever.

It's best practice to start early and build those relationships.