for $40 it only gives a "rating" and no specifics.is there a service of reasonable cost that actually give me a credit report and details on results of background checks?

For a 1st Position HELOC, it becomes your mortgage.

Wisconsin's unemployment rate is about 0.8% below the US average.

HI Bette,I am not a CPA, I am an investor myself and mortgage broker that focuses on helping with investor on expanding their portfolio in real estate.

If you are comfortable with those numbers and you can wait it out until interest rates improve then go for it.You could also consider putting down a larger downpayment.

Hi Jeremy,What interest rate are you currently paying on your personal debts?

I have been airbnb’ing it less than 120 days which was helping me to work/ travel a portion of the year outside of LA -  not worrying about the paying both rent and mortgage at the same time.

I would refinance into a traditional mortgage.

Growing populations typically demand more housing, which can drive up property values and rental rates.

It is very hard to do an FHA 3 & 4 unit currently because it has to pass the self sufficiency test and with where rates are at it is unlikely to pass.