Because my equity is high, my ROE is low, but seems to make a boost on ROE if I payoff the remaining mortgage, which surprised me.

They’re relocating out of town and would like to sell by the beginning of the year.Here are the key details:Current rent: $1,850/month (tenant is month-to-month, wants to stay)Market rent estimate: $2,200–$2,350/monthTenant history: Has been there for about a year; was paying $2,150 at their prior rental, so an increase to $2,000+ should be manageable.Seller’s situation: They owe about $156,000 on the property and want to net around $100,000 after all taxes and fees.Existing mortgage rate: 3.5%Wholesaler offer: $287,000My position: I just bought a fixer-upper, so most of my cash is tied up, but I can access around $100,000 from a HELOC at 6.5% (15-year draw / 15-year repayment).Question:Is there a way to creatively structure a deal that allows me to leverage the seller’s existing low-interest mortgage — even though it’s not officially assumable?

For a missed ADU in appraisal, go surgical: confirm permits, CO, unit utilities, and leaseability in writing; pull county records showing the second unit’s legal status; then send a tight ROV package with three comps that include permitted ADUs or true duplexes, photos, rent pro formas, and a short memo requesting either ADU line-item recognition, income approach consideration, or a second appraisal.

The other is in the low 500s but stated that this is due to a car accident totaling her car and is in litigation, so she is not paying on the loan. 

Anyone one else constantly getting "low" confidence when trying to use the rent estimator even though you're searching broadly AND in a populated/busy area? 

Quote from @Ethan Maciejewski: How do I determine if a tenant should qualify for a resident who has a low credit score but good rental payment history? 

Cash-out refi can work—just be surgical.

If not, your DTI will be low.

Effects everyone since you will now have comps that are looking outlandishly low. 

Can anyone point me to free or low cost flipping training?