I would avoid a heloc as it carries too many issues and rates are higher on helocs versus a portfolio cash out refinance.Heloc is generally set up on a 10, 15, or 20 year amortization while a cash out refinance offers a 30 year - lower rate & lower payment.These prorgams will want to see full doc income most DSCR's will not offer junior lien and will require each property to have sufficient LTV's/Equity.

But my position would be I am foreclosing you can pay the note off in full and all my costs and I will assigne the note to you.In most situations as you describe though I wiped out all the juniors .. as they did not have the funds to pay me off or the asset got butchered in the rehab process and there was not sufficient equity to throw good money after bad...

Paul conducts business in California on behalf of the LLC.”As crazy as it sounds, simply being a member of an out of state LLC and personally residing in CA is sufficient to satisfy the “doing business” clause.

Sufficient income.

Again, I think properties should be self-sufficient.

So position yourself with sufficient capital reserves to withstand a reduction of values, or income, as at  some point it is inevitable.

Par rate on DSCR loans (with solid credit, not max LTV, and sufficient cash flow) is now low to mid 7s.  

I have already saved 60k additionally as a Rainy day fund which is in High Yield No-Penalty CD which I am hoping should be sufficient and we plan on making it around 75k gradually with our salaries.When you say In-Law suite, are you referring to houses with unfinished basement which can then be converted to 1 or 2 Beds and rented out as STR or LTR?

If you are able to gather concrete evidence and sufficiently demonstrate your "damaged," then the Appraiser's E & O insurance policy may pay out.

Granite is available in a wide range of colors, patterns, and finishes, and it can add a touch of elegance and sophistication to any kitchen or bathroom.Benefits of Granite:Durability: Granite is one of the hardest natural stones, making it highly resistant to scratches, chips, and cracks.Heat-resistant: Granite can withstand high temperatures, making it ideal for use in the kitchen.Low maintenance: Granite requires minimal maintenance, and regular cleaning with a mild detergent and warm water is sufficient to keep it looking new.Unique: Because granite is a natural stone, each slab is unique, with its own distinct pattern and color.Drawbacks of Granite:Porous: Granite is a porous stone, meaning it can absorb liquids and stains if not sealed properly.Cost: Granite can get expensive, especially if you opt for a rare or exotic variety.Installation: Granite is a heavy stone that requires professional installation, which can be costly.