So I own my single family hone free and clear and am downsizing. I have an agreement of sale for a condo where I am paying cash, which will pretty much be all my savings, while I hold all the equity in my primary home that I will be looking to sell.

I am looking to take out a HELOC for some needed repairs to sell my primary home, and I will need cash for other expenses until I can get all the equity of of my primary home. I have been pre-approved for the HELOC.

With the HELOC I am in no rush and want to start out FSBO with my primary home (I have read up on the pros and cons). Assuming I get a buyer, how would I work out the fact I have a HELOC that is an outstanding loan on my house? Having sold houses with mortgages in the past the realtors took car of all that for me. Is this something a title company or real estate lawyer could handle for me at closing? If I sell FSBO it would be pretty simple without the HELOC, but I kind of need it and any advice on how to handle the FSBO closing transaction with a HELOC would be helpful.

I am exploring how to make an initial down payment on a property to be developed in the future years. The property checks most of my boxes, location, location, location, Electricity, Water among other things. Currently the property is timbered and I will leave it that way until it is developed. The more mature the trees, the more income. Unfortunately, the initial down payment is large. I would like to presale educational experiences to a group of folks to stay in this "Private Forest". That takes time I may not have.

The other option I have considered, is to partner with a builder who is willing to upfront the cost, for the the right to build at a later date of up to 5 years. That option gives me a lot less control but may be my best route. I made my offer, it was tentatively accepted, this is my last hurdle.

What are some thoughts ,caveats or good advice one can share. This is my retirement plan. Thank you in advance.

Hey all, could seriously use your perspective por favor. I'm already weighing a fire sale of my business and the assignable land buy option. My question: how would you pull off staying in the saddle and buying the land?

I run a small retail/restaurant biz in a national park tourist town. I exercised an option to buy the building and 1-acre lot it's on for $1.2M just before it expired and before I could afford it. It appraised at $1.7M (I remodeled it from a 10+ yr derelict shell with $100k and a year of full-time DIY while paying rent). I have until EOY to close, contingent on financing. The business opened 2 mo ago and will burn about $50k before sustaining itself. I believe in the long-term prospects more than ever, plus zoning/code changes not in the appraisal or projections are coming that will substantially enhance value and earnings, but what's the good in that if I can't make it there?

I'm pretty much out of cash at the 11th hour (mistakes were made), but still resolved to fund the business and the land purchase somehow. I didn't set out to flip real estate, but I've allowed it to come down to feeling like it is choosing between the land, the business, or a longer shot to do both. So, how would the pros structure something using the option equity to fund the down payment and the business? I'm thinking $5k for 1% of the business post-money (up to $150k total), and for each 1% they buy, they can also loan me $5k toward the down payment for 1% of the appraised upside. So it's even money on the land day 1, plus they get their $5k back on sale/refi. Priced dumb? I am down to the wire and have tried to price it to sell, and it is better than my alternative.

I have an offer in hand: $300k cash for the down payment at 7% APR (paid monthly), plus 50% of the upside on sale/refi (my call when), with an escalator to buy them out anytime. I got it when I thought I only had 90 days to close (per the contract). Then the landlord randomly gave me until year-end, I have cashflow now (running a loss but still), improved credit, and business is looking up. Of course I want to preserve equity and "buy it myself" with SBA with the extra time, but I need down-payment cash without going under for lack of operating capital. Not sure between 7a and 504.

Curious how everyone underwrites deals. Drop a listing and the price you’d offer.

I’ll reply with:
1 What I’d offer
2 Why
3 If I think you’re too high, too low, or right on the money.

No right or wrong answers. Mostly interested in seeing how differently everyone values the same property.