But here’s the flip side that many don't see:The Bar is Lower (in a good way): The "low-hanging fruit" is gone.

People don't have "third spaces" outside of work and home where they hang out and socialize.

I want to hang onto the property for the long term and rent it out.

If you feel stuck waiting 5–10 years, selling at a small loss might actually free you up way faster than hanging onto something that’s draining you every month, because that money could be working much harder for you somewhere else.

If you cut the basement off completely and ever sold it you might have some hang ups. 

Make sure to stop in the local coffee shop and hang out a while. 

Which in a way, is fair, but I believe this is their loop hole to only fund the low hanging fruit deals, and stick people with a bill of 4-7k and a property search app that isn’t that good in the first place. anyway, I am always looking to connect, dining the next project, and get it funded!

Hang in there.

But if your current interest rate is low, you might consider a second-position HELOC just for the renovation/down payment money — especially if you plan to refinance later when rates drop.If you sell instead, it’s simple — no debt juggling — but you’ll lose the chance to hang on to a property that could cash flow and appreciate long term.Here’s my quick example:Say your house is worth $300K and you owe $150K — that’s $150K equity.Sell: maybe walk away with $135K after closing.Cash-out refi to 75% LTV: new loan about $225K, gives you roughly $75K cash out after payoff and fees — enough to update your current place and put down 10–15% on the next one.If your current home rents well after the upgrade, that’s the smarter long game.If not, selling might be cleaner — take the win, roll it forward, and buy the bigger place plus a rental later when you’re not juggling two moves and four kids.You’re thinking like an investor already, though — run both versions in a simple spreadsheet and see which one gets you closer to your cash flow or portfolio goal; Ryan, I really hope this helps you a bit, I sent you a DM on BP... it's one of the reasons I do this, I hope you can assist.

One of their so called instructors from one of the training sessions asks the students to go to the five star hotels, or go play golf, or go horse riding, or go hang out at the high end night clubs for the sake of fund raising.