Most hmls will require something in the deal from the borrower. 

Andy, Solo 401k plan is not for everyone (you must be self-employed or own a small business without full-time employees other than the business owner(s) and spouse), however if you qualify for it - in most cases it would be a much better choice for most people (you don't need a custodian with it, you don't need an LLC to gain the checkbook control, you can borrow from your plan up to $50K before retire, just to name a few advantages).

Many files, such as anything containing our own personal data and those of our borrowers, are encrypted.Dropbox automatically syncs these files as local copies on both my and my wife's computers, which are also encrypted.

The borrower is always slave to the lender.   

PROPERTIES LISTED FOR SALE For a rate and term refinance transaction, the borrower must evidence that the listing has been cancelled, and must not have been listed for sale as of the date of the application.

I'm currently deciding on if I should borrow from a 401k to pay down a Heloc or apply to mortgage. 

Your Lender is looking at those same cookie cutter houses, that they lend out 75% of their value for in return for 4%/y, earning their Borrowers DOUBLE that without a sweat being raised.

Hello Bigger Pockets members, I need some help and advices that can be helpful, I just bought my first property in 2015 with my brother as a co-borrower and he is living in that house.

Department of Treasury with usc exceptionState Tax LienLien by USA or Dept of JusticeUS Department of StateOther Federal AgenciesFrequent Superior Foreclosure-Liens:HOA or condo feesCode Enforcement for debris removal or mowingDemolition or Environmental Based LiensState child support lienBoard of County Commissioners for special assessmentsUtility LiensWater/Sewer Delinquency (only in selected states)County (and/or School/Township) for unpaid taxesCity for road improvements, maintenanceHere are some of the judgment and liens that will be wiped off from the property (not the borrower who lost the title) if the lien holders were properly notified and "had the right to bid on the property at the auction":2nd and junior position mortgages, such as home equity loans, etc...Credit Card Judgments recorded after the foreclosing mortgagePersonal Judgments recorded after the foreclosing mortgageMechanic's Liens recorded after the foreclosing mortgage

Therefore, Lenders will allow you to Borrow $100k because of their appraisals.