Hi Nick,Unless it's a rate/term refinance, 80% LTV is not common in refinances.

I'd be willing to live in it which appears to have some benefits for a condo conversion depending what town you're in.The thought being that we could buy a duplex/triplex/quad, convert it to a condo, and sell off the remaining units leaving me with (at the end of the day) an affordable housing option.Here are the condo zoning laws that I found for Sunnyvale: https://www.huduser.gov/portal...My understanding is that they don't do condo conversions with <3% rental vacancy rate, but it looks like it was 3.1% from the most recent HUD market analysis for my area that I could find: https://www.huduser.gov/portal...Does anyone know someone who has done a condo conversion in the Bay Area?  

We are seeing signs of higher demand even though rates remain high, months of inventory decreasing, multiple offers becoming very common again, and consumer confidence increasing.We are expecting these trends to continue as the news headlines continue to shift and report much more positive market conditions.

With these rates, I will likely be negative cash flow or break even if I am LUCKY on a single family.  

I can borrow against my portfolio at about half the rate that I could borrow from a bank for.2) They think 2 dimensionally, focusing only on the here and now.

Or are you job growth, inflation rates, interest rates, or?

Too little information for us to be helpful.Questions would include:What is the rate of return on your stock market account?

My interest rate on the home I pulled the HELOC from is 2.75%, so I don’t want to refinance it because I won’t get that rate again and I would like to avoid my mortgage increasing in both properties if possible.

You'll pay top of the market price and with the current mortgage rates, it's unlikely your payment will be covered by rent.

Welcome to BP Maria, we noticed you aren’t a Pro member at this time and we would love to offer you a 20% off discount to start taking action in investing with confidence!