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.

They are useless until you hang them on doors.

I would just hang tight in that home.

The bad news is, they still technically own the panels until it’s paid off, so you can’t sell the home with “clean title” while it’s hanging out on record.So yes — a negotiated payoff is your best play.

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.

If you’re trying some zero down or sub2 BS, or an interest rate that is lower than the going rate, then that’s a waste of everybody's time and I’m hanging up the phone.

Especially, since your unit is near an entry point - where a smoker would hang out.I'd be especially curious as to what the Bylaws state about required proof.

Come down and hang out with us!

Hei David, I kind of relate to your story, im also panic like you  but still hanging around with my property ready to lose $40K as of now, still no buyers for my fix n flip property, I'm also on hard money lending , bleeding like hell, not sure i could still bleed more, or take more loss and get out, my prop is in northrichland hills , TX, near fortworth.

I have deposits to be returned also but hang in there.