I'm not saying you are responsible for the repair or damages; I am saying a professional would know what they are responsible for, and they would act accordingly.Hi Nathan, I am well aware of who is responsible for what, but as we all know, the cost to hold someone accountable often outweighs what is recouped at best.

Or no known yet?

Are there any pitfalls to avoid when exploring non-traditional financing methods?

a plan to refinance our current mortgage as well as get a HELOC.

Maybe local investors as well who want real estate safety vs stock market or commodity risk.   

My wife and I were raising 3 daughters at the time and wanted to provide well for my family’s future.

I have databases consisting of 1,341 lenders for RE as well as close to 20,000 contacts at family offices, hedge funds, endowments and pension funds. 

That does not mean that pay stubs and tax returns are the only way to prove ATR fir example bank statement loans for the self employed is a method to verify ATR. 

Hoping to use the internet as a resource as well.

As Chris mentioned:  if you well today you can’t sell 5 years from now.