The biggest question you need to ask yourself is if you are doing this to afford a property you otherwise couldn’t afford or to save money period, that will lead to very different conclusions about where/if to buy. 

Quote from @Chris Seveney: Quote from @Robert Adams: As we move into February, the Las Vegas real estate market is showing positive signs of recovery after the holidays and the conclusion of the presidential election cycle.

What has led you to the conclusion that it is malicious? 

I came to the conclusion that a cash out refi was the way to go even though it won't cash flow great afterwards (it'll still be positive about $200/month).

This part is a foregone conclusion for me, but what I am still working out is next steps.

I have done some research on ADUs and have come to conclusion that getting a house near a hospital or good college area with a big yard to add an adu and convert gargae to junior adu would be best.

I've closed a bunch of loans with Kiavi, Roc, and a few with ABL, I also closed with RCN, Easy Street, Lima One, and some smaller private lenders.I've come to the conclusion that the experience at the lender is not globally good or globally bad. 

Do an actual tax projection first before jumping to conclusions. 

This stark contrast leads me to question the legitimacy of the program and its purported benefits.In conclusion, my experience with James' mentorship program, particularly through the actions of Kristin Witherspoon, has left me disillusioned and skeptical.

I appreciate your input and the fact that you did not jump to conclusions 🫡 RichThanks again, Rich