@Kerah Kirangi This moment, situation, scenario, what ever you want to call it is going to determine if you're investing or just buying retail like the majority of home buyers in 2021.

The more confident you feel in your own abilities (to rehab, then sell and pay back the bank), the more "unfair" this deal will feel to you.

The situation for international investor is similar as for US resident for ECI (Effectively Connected Income, eg buying and operating real estate directly) when it comes to US taxes but it depends on country of residence to determine if local tax.For FDAP (Fixed Determined Payments, eg dividends from investing as limited partner, receiving dividends from REIT...)

My lenders are looking at my ability to pay if property is not leased for a month or two (cash reserves).

Firstly, you'll want to determine who exactly you want to mail to.

@Rebecca Miller Perhaps give your realtor a chance to clear up what they want they intend to do with the rate information and explicitly explain what might be making you uncomfortable.You always have the ability to refuse to allow her to use the information but, bigger picture, it sounds like you aren't trusting of your fiduciary in general.

I am a construction professional and have the ability to handle this either myself or through my subcontractor network.

This essentially deterred my ability to scale my portfolio.

Also, you can find local vacation rental companies in just about any good STR market who should have the ability to give you market level data.

Depending on what you're going to do with the cash and your ability to pay off the HELOC, it might be worth looking into.