On the liability side, you include outstanding personal liabilities like mortgages, car loans, and credit card balances. 

Now 10 months later the building has doubled in value with proper maintenance and management.

SOS website shows lien is attached to solar equipment only but the lender is requiring to deal with the solar lien for title transfer.my idea;transfer lien to surety bond ---------------go through mortgage and title transfer -----------------------transfer back lien to property or panel discharge.

Total mortgage with insurance payment is 680 a month. 

SOS website shows lien is attached to solar equipment only but the lender is requiring to deal with the solar lien for title transfer.my idea;transfer lien to surity bond ---------------go through mortgage and title transfer -----------------------transfer back lien to property or panel discharge.

The extent of my experience with real estate is owning my own home in Jersey City and obtaining a mortgage for it.  

**Subject-To Deals**: Purchase properties subject-to the existing mortgage and convert them into Airbnb rentals for cash flow.

@Torianne Baley...I'm speaking as an experienced mortgage broker in CA, but what concerns me is it seems per your posting that your running into many private money lenders offering 100% financing. 

If one doesn’t know the market if one doesn’t have the experience to properly determine cost and pace of a value add campaign (for example), the numbers going into the spreadsheet are meaningless.

I have no debt/mortgage, house was purchased nearly 40 years ago and was long paid off.