Provident is super strict about DTI, requires twice the paper work of any lender, you upload the docs yourself and your loan officer will not guide you through it, they do not talk on phone.

Also allows freedom to make those payments instantly rather than having to file paperwork to have payments made on your behalf.

HASLC is usually pretty easy to work with and it should only take a couple weeks at most to process the paperwork.I find everyone there to be much easier to reach via email.I’m assuming you’ve submitted the new owner paperwork and received the HAP and it didn’t have the rent listed?

That can help lessn paperwork in qualifying for a new mortgage because it will give credit time to update with the HELOC balance and payment (possibly).Be honest though.

If you chose to do a no cash out refinance to get the lowest 1st mortgage rate, you would need to have the loan officer communicate and get paperwork to the existing HELOC lender getting them to agree to resubordinate their debt to the new 1st. 

This walk-through will also help you when any of these tenants move-out -in case you didn't get their move-in condition paperwork at closing. 

Prefer to drop off paperwork and not deal with technology? 

is there a way to "partner up" without actually doing a partnership, and at the same time NOT have to file paperwork with the SEC?    

You can actually do all of the paperwork yourself from the government pages of your State. 2) In some cases though, a conversion from personal property to a corporation/LLC will cost you the local transfer tax.

I had a call with the agent to discuss the paper work and the agent asked if I was going to pay their fee.