It also depends on the situation sometimes a HELOC is warranted for short term financial needs so long as you have a plan to get back in the same or better financial position afterwards and the "means," and "will," to carry out this financial or mortgage plan- HELOC's are typically full documentation qualifying loans so you'll need actual income to qualify whether it be from pension, insurance, rental's, etc that are all fully documented on taxes, W2's, 1099 forms, etc.

Quote from @Tom S.: @Danny Lyu  If you're getting 10% down on that loan product, I would definitely do that and just close in your personal name. 

S-Corp) to minimize taxes while maintaining compliance in Indiana and California?

I know the 20yr city development plans, I know of the waste water treatment facilities that are wrapping up approvals and have not even broke ground yet and exactly how many w/s laterals will be approved with such. 

Prefer light renovations/updates, and ability to force equity with opportunity to add ADU(s). 

You can have an agreement with an investor(s) and they pay you x%.

Do you have an idea of the area(s) you want to buy in and/or the type of properties you want to buy?

It's a great starter book for the financial foundations of real estate investing: https://store.biggerpockets.com/products/set-for-life-revise...I would also recommend Small and Mighty by Chad Carson: https://store.biggerpockets.com/products/small-and-mighty-re...Real Estate Rookie: https://store.biggerpockets.com/products/real-estate-rookieHouse Hacking: https://store.biggerpockets.com/products/the-house-hacking-s...

With a cash-out refinance DSCR loan, you would be pulling out about $300k out of property A, and $73k out of property B with rates in the mid 6's at the moment

Quote from @Andy S.:  For example any water leak, of the contractor charges me $250, out of that $60 tenant pays.As everyone else has mentioned, charging a fee is stupid.