Also it creates problem, lets say in one zip code we had 100 homes, i would say 80% of the settler in that area would not even able to pay the mortgage if they have to adjust to today's price. this would create unique problem where they could be cash poor but having large equity (think like baby boomber that purchase 125k homes in santa clara in 1981), since they can no longer afford to pay mortgage, hence they prefer to sell, they can get 1-2 mil easily and  then rent or buy elsewhere, live in florida for sure.

I have come across a few and even listed one recently with a assumable loan but they need about 30% down because of the seller's equity position

If you are looking for companies in the US to invest in that take canadian investors send me a PM.If you are interested in buying an individual note, @Chad U. can answer the question - I believe he has a LLC in the USA but is a resident of canada.

I feel like I can't get a true picture of my investments if I can't calculate what I'm doing to my equity and my increase in expenses for closing costs if I can't factor in the cash-out refi's - unless I don't need to. 

That would likely be the easiest.How much equity do you have in your current property?

My name is Jonny Baltes and I currently reside in Manhattan, New York.

Obviously, this can impact your overall cash flow. 6) it’s important to find an agent that knows the area well and understands how to work with an investor, as the process is very different than buying a primary residence. these are all things to consider, and there is going to be a learning curve associated with the process.

However you would need significantly more cash compared to a primary residence house hack. 

Where is the single family property located, how much equity do you have built into it, etc.? 

Hey everyone,So I have been looking for a lender that can open a HELOC on a my primary residence single family with both an ADU and a JADU.