This is generally due to the fact that this is how the American housing giants – Fannie Mae and Freddie Mac – government-sponsored agencies, separate their loan programs.

You don't want to get into that situation where your plan is to pay off a HELOC over the next 5-10 years when you have no idea where interest rates will be during that time.

I plan to see the property this weekend

If I was face with your situation, I would pay the shortage upfront now rather than taking a year to pay it month by month in case you will plan to borrow in the near future. 

It’s also important to sit down (or have a virtual meeting) with your accountant on a quarterly basis to review your financials.Tax deductions are maximized.Ensure you’re getting proper tax planning done throughout the year, so you are minimizing taxes.

I plan to communicate my intentions clearly and respectfully.Your insights and guidance on this matter would be greatly appreciated.Thank you.

With careful planning, due diligence, and a willingness to think outside the box, investors can unlock the full potential of Charlotte's real estate market and achieve financial success.Which of these strategies would you be open to try? 

Most lenders  will find it challenging to provide  buyer referals to agents  unless they have some sort of lead gen system  working for them Thanks Dave, yes I do plan to send buy-ready clients to the lenders I work for.

Not only are they planning to provide this service by selling you products, there's also the very real likelihood that they'll end up like Stessa and have to come around and start charging in the future when the original business plan doesn't work out.Second, they base their accounting around Quickbooks integration.

The number of months depends upon how well (or bad) the management company is running.Type of business for this offer Mom / Pop shopBusiness owner is heavily involvedBusiness is running with a skeleton crewThere is no marketing or sales divisionSystems are not well documented or non-existantNot a lot of add ons (programs / fees)Typically have another career as a real estate agentTypically less than 100 propertiesModel 2 - Revenue (1 - 1.5x)Offer is made based on yearly revenue.