Our portfolio has grown significantly, with an expanding presence in markets like Ohio and the Midwest.Originally from Toronto and now based in Southern California 🇨🇦➡️🇺🇸.My team and I support investora from Canada through every step - from deal structuring and financing to taxation and asset protection.I’m passionate about simplifying the process and removing the fear and confusion that often surrounds cross-border investing.Looking forward to learning, contributing, and connecting with like-minded investors - especially those focused on value-add multifamily and helping others create generational wealth.Let’s connect!

This is the first time I've ever heard of Cross-Collateralization.

It’s a common frustration in new build communities—values feel inflated due to builder incentives and limited comps—but asking an appraiser to lower the value directly crosses ethical and legal lines. 

That said, if you have strong equity and clear exit strategies, there are private lenders who may still be open to it—especially if you're open to cross-collateralizing or creative terms. those props if they are in a major city are squarely in the HOOD /  HIGH RISK or some small 5k pop town in fly over country.. just not worth the effort..

This time around, in addition to checking with my own PM, I would cross reference the rent they suggested with what was advertised on Zillow, trulia, hotpads, other PM websites, and I would call various PM companies to ask what similarly sized homes in the given neighborhood rent for.

I could see some cross fire issues?

Come down off the cross, build a bridge with the wood, and get-over-it........Success and victories are MADE, never discovered. 

Need to cross all my T's and dot my I's.

It is totally possible that I either don’t cross that threshold or find it too difficult/stressful/not worth the time and pivot back to just investing my own funds.

A Home Equity Loan (HEL) can be a solid option, especially if you want to:Avoid resetting your first mortgage at today’s higher ratesAccess a fixed lump sum with predictable paymentsKeep your original loan terms intactBut here are a few strategic alternatives to consider, depending on your goals:Home Equity line of credit (HELOC)Why Consider It: More flexible than a HEL — you only pay interest on what you use.Great for: Investors wanting to fund renovations, down payments, or flip/resell timelines.Heads-up: Can be variable rate and might be harder to get on investment properties (some banks limit HELOCs to primary residences, though portfolio lenders or credit unions may offer options).Cross-CollateralizationWhy Consider It: If you're buying another property, some lenders will let you pledge the equity in your current property instead of bringing cash to close.Great for: Preserving liquidity and scaling your portfolio without touching your current mortgage or taking on a new monthly payment.DSCR Cash-Out (If you reconsider Refi later)Why Consider It: If cash flow is strong, DSCR lenders will base the loan on rental income, not your personal income.Great for: Investors wanting to tap equity and don’t mind swapping their first loan (say, if rates come down later).A Strategic Tip:Some investors use a combo of a HELOC + BRRRR — pulling equity now, buying a value-add deal, then refinancing once the project is stabilized.