For instance:We currently have 14 properties, 11 with no mortgage, 3 with mortgages of which one has a substantial amount of equity. 

IF it’s due to the homeowner making “substantial improvements” to the property..

Get as much time for the hundred as possible 30, 60, 90+ days then make the deal extendable for an additional more substantial deposit for another X number of days.Now here is the reason you will make money.

Huntsville is a solid market, and I am sure that property has appreciated substantially since you bought it.

I generally recommend house hacking as the way for someone who is new to get their foot in the door but it sounds like you want to use real estate as a way to generate substantial income first and foremost, with investing being secondary?

Most importantly, when appraisers appraise homes for refinances and HELOCs, they tend to be conservative, so you will likely find that the "value" of your home is significantly lower than what other resources and "market-demand" will indicate.We BRRRRed my former primary and it is now the asset that allows me to purchase more, but we lived in it for five years and built substantial equity into the home, not to mention we were lucky that the market appreciated.I would recommend a HELOC in almost every case, as opposed to a refinance.

It is an owner-builder program that allows substantial savings over a traditional builder. 

If you are eking out $100/month "cash flow" on a C class rental house, then, yeah, the cost of a policy is an issue, but if you are renting SFR's for $5,000/month, then home warranties are a small price to pay for substantial peace of mind. 

its too much risk unless you substantially sell the home under market value. 

When a person dies after filing for Chapter 13 bankruptcy, the heirs have some influence over whether the bankruptcy case proceeds or stops short.Option A.