I never really considered it because I try to be kind and polite to everyone, but I believe the house we are under contract on right now may have been a similar scenario. 

Is there  any BP members out there flipping in this kind of market and is it profitableGary

@Jackson Tate  My favorite contractor for that kind of work has retired to full-time ministry. 

It kind of went along with "of course we're removing wallpaper and repainting".To clarify, I was not using THIS property for the HELOC, it was my current house and yes, Ron is right that I was denied due to DTI.

Of course, this STR business can be a 24/7 kind of thing the way I run it. 

Short Story: Refinanced 5 single family units into a 24 unit complex.Back Story: Purchased my primary house(105K) thru auction with a very friendly but very real loan thru my parents(70K), I was originally looking at 30k houses and this one didn't sell at auction and kind of fell into my lap.

Because you did not take action on the rent last year I see no reason for the adjudicator to support your claim.

Here are a few links to help you out. https://www.ada.gov/service_animals_2010.htmhttps://adata.org/publication/service-animals-booklethttp://www.humanesociety.org/animals/resources/tips/assistance-animals-tenants-rights.htmlhttps://www.biggerpockets.com/renewsblog/2015/03/11/emotional-support-animals-waiver-no-petpolicieslaw-say/

That is very kind. 

Our current CPA is kind of too hard to work with is too old school