
16 October 2025 | 14 replies
In certain situations additional lien on credit and excessive trade lines can cause future DTI issues, lower scores and denials on future loans.The rates our lower on mortgages versus Heloc right now and the terms are longer for example 30 year mortgage versus a 8-10 year Heloc and most carry prepayment penalties so if you want to pay it off early they can hit you with a prepay penalty of 6% or higher.Refinance allows you to have cash in hand and avoid the scary "What if" factor meaning loss job, lost income, late payment, over leveraged and if any of these things happen your credit limit gets reduced and in most cases closed completely.

17 October 2025 | 16 replies
If you're staying there between guests, those are generally going to be personal use days, and going to cause an issue with the deductions and ultimately the losses you can take.

12 October 2025 | 20 replies
The heat would rise and shut off the upstairs thermostat, causing the upstairs bedrooms to get cold.The downstairs unit was a small one-bedroom, and the fireplace would heat the living room to the point where it was concerning from a temperature and CO2 perspective.

16 October 2025 | 17 replies
It's honestly causing me a ton of stress.

22 September 2025 | 8 replies
The only exception to this would be if you had a line scoped and it showed areas of concern, and perhaps a high likelihood of failure in the next 5 years.....

22 September 2025 | 3 replies
If you're using HELOC funds for a down payment on a new property, underwriters might require you to qualify based on payments for BOTH the new mortgage AND the full HELOC payment, even if you plan to pay off the HELOC soonIn my opinion, neither of these concerns are things that will not be sorted out by the title company and/or the loan originator.Greg, If you read Tony's question he was asking for "Anything" that may not be common to a new investor that could arise or be a pitfall.

14 October 2025 | 2 replies
An estimated total of 70–85 million deaths were caused by the conflict, representing about 3% of the estimated global population of 2.3 billion in 1940.[1] Deaths directly caused by the war (including military and civilian fatalities) are estimated at 50–56 million, with an additional estimated 19–28 million deaths from war-related disease and famine.

4 October 2025 | 38 replies
About 1/3 are still not providing distributions but their cash position is strong and I'm not concerned about them potentially selling at a loss.

3 October 2025 | 24 replies
For #2 I am never concerned about a tenant suing, I have insurance for this and use a property manager.

14 October 2025 | 5 replies
She says she remodeled her kitchen a long time ago but never got a permit from the city and there is no way the city would know. besides, based on my preliminary research, remodeling a kitchen doesn't cause a reassessment anyway.