I'm about half way through and it hasn't been as profound as I thought it would be based on the number of people who recommended it.

Hi Christina,Here's a clear breakdown to help you understand how to access the equity in each property, depending on your goals, especially using it for a down payment on House 4:House 1: Primary ResidenceHELOC (Home Equity Line of Credit):Pros: Flexible draw, interest only payments during draw period, good for short term needs.Cons: Variable rates, payments can increase based on how much you draw.Best for: Keeping your lower first mortgage rate intact and accessing funds as needed.Cash-Out Refinance:Pros: Fixed rate, lump sum, can have lower interest rates than investment property loans because it's your primary residence.Cons: Replaces current mortgage rate (which could be at a lower rate).Best for: If you want to simplify into one loan.House 2 and House 3: Investment Property DSCR Cash-Out Refinance:Viable option here that doesn't use your personal income to qualify.Based on potential rental income (current rent, market rent or appraiser’s rent schedule).Typically max 70-75% LTV.Documentation is minimal.Happy to help if you’d like to walk through potential numbers or talk through how others structure this kind of move.

As I move from learning to taking real action, I’m looking to connect with professionals who understand this market and can be part of a long-term team.I’d greatly appreciate any referrals, advice, or introductions to:Reliable real estate attorneys or title companies who are wholesale-friendly and understand assignment and JV contracts in MassachusettsProven contract templates or resources (especially MA-specific) that are beginner-friendly yet solid enough to protect everyone involvedInvestor-friendly realtors or agents who understand creative strategies and wouldn’t mind working with someone new to the game, but serious about doing business the right way, and bringing valueIf you’ve been through the early stages of wholesaling in MA, I’d love to hear what worked for you—and what to avoid.I’m committed to doing honest and ethical deals, and I’m looking to build lasting strategic relationships as I grow.Thanks in advance!

Hey everyone 👋I’ve been spending more time analyzing potential real estate deals and I want to get better at understanding how to properly underwrite a deal — beyond just using a calculator.

As you learn, focus on understanding what makes a market stable—things like job growth, population trends, and rent demand.

**Understanding Tenant Rights:** In many jurisdictions, tenants have rights that protect them even after a foreclosure.

It is being comfortable understanding the risks involved so you do not make a mistake that can cost you a significant amount of money.

Per your comment about CPAs not educating, as a person that interacts with investors and potential investors every day, I take this upon myself to do the education part.While I surely understand the write-offs can help some investors, many (dare a say a majority) of LPs can't use all of these losses. 

Recently, I’ve been focusing on learning how to spot motivated-seller opportunities and understand what makes a deal worth pursuing.My current goal is to sharpen my skills in deal sourcing and evaluation while building genuine connections with experienced investors who are open to sharing their perspectives.

I love to solve complex challenges so I was leaning towards mastering REOs, Foreclosure, short sales, probates where, to my limited understanding, the investment would be lower than the traditional process + higher ROI ....Fully understand the high risk.Any recommendations (or thoughts on my plan) would be greatly appreciatedThanksNoopur