A homeowner booked off their home for a period of time in return for payment.

However , we have essentially been house hacking if you will and want to continue that trend moving forward .Buying , living in it and adding value over a small period of time and then refinancing and renting it out .

Personal income requirements are not strained by neutral CF during this period of time... the high cash flow will be happily usable in the later half of the investment period after liabilities are completely shrunk.

They should be able to give you the number of sales, prices and days on market for a specific area (ie Zip Code or County) and for a time period (last 90 days, 1 year ago, etc)From there I also look at businesses coming in and out, unemployment rates and crime rates. 

So if in the last 20 years, the 10 year treasury rate dropped by 100bps in any one year period, then that's what I would use for my conservative projection for it increasing in the next year.So, if we look at the 20 year yield for the 10 year we see some pretty big swings within a single year period.If you're planning for the apocalypse then you may want to bake in a 2% increase.

Since the lender Owner Occupant period is 12 months, I'd meet that obligation by staying in the property for at least 12 months, and property shopping while waiting for the 12 month period to end, then move on to another property. 

@Shaun Marks  First Congrats , since you wish to payoff the the new HELOC I believe you will have no issue with a common  six-month title-seasoning wait period.

I have a tenant lease renewal this month and the feedback was they would be willing to pay more if I add a/c. what is a good payback period I should expect for adding a/c or a mini split system.

Well there are 2 ways you can accomplish this. 1) The mortal way... blindly blast mailers out periodically/continuously so that homeowners will get mailers thrown in their face when they do not want to sell, and when they eventually want to sell they still get mailers sent out.

The smartest investors I know are looking for just enough cash flow to be able to survive an interruption in rents, while picking areas that exhibit the best indicators of appreciation.I understand that our appreciation rates here in San Antonio are not sustainable over a very long period of time.