Traditional paystubs and PDFs can be forged in minutes.

I think the HELOC rates are usually higher than a traditional loan.For my future purchases what would be my best loan if I want to refinance within the year?

3) Traditional Sale w/Mortgage: can be done, BUT appraiser & lender will NOT recognize value of 2nd home.

So if they existing duct work is in good condition I would just replace the unit with a traditional split system. 

traditional financing.

However, if she sells the property now within the IRA, there’s no capital gains tax (assuming it’s a Traditional IRA), and the proceeds can be reinvested into liquid assets.

The home is worth what the comparable properties say it's worth.

It’s a powerful financing tool for real estate investors who need speed, flexibility, or are working with properties that don’t quite fit traditional lending guidelines.

I did a turnkey property through another company for traditional real estate and it worked out so i'm going to give one a shot after I learn about them.

Since this issue is structural to the condo project and not something you can control, it is very possible that you could be stuck with the original Non-Qualified Mortgage (NQM) lender or other specialty lenders, who tend to offer higher rates and fees compared to conventional loans.An NQM loan, while a viable workaround, comes with trade-offs—namely higher rates (like the 7% you mentioned) and typically stricter terms.