They used to issue glossy brochures as inserts to real estate magazines, which were actually very light on articles and very heavy on insert ads.  

At the end of the day, there are a ton of local small banks that offer competitive HELOC products.

Investors who stay in tune with the local marketplace and apply the 70% formula as a guideline instead of a blanket rule will make their offers more competitive and their investments more lucrative.This post originally appeared on the BiggerPockets blog.

It depends on how price sensitive your market is  Also, you said there is a lot of competition.

This project highlighted our effective renovation and marketing strategies, yielding a solid return on investment in a competitive market.

In some cases, carriers might even offer multi-year rate locks, providing even more stability.The Downsides of Consolidating Your Insurance ProgramReduced Competitive PressureHaving multiple carriers compete for your business can help keep premiums in check.

Their income can be impacted because they often need a price point that is competitive with a hotel room.  

If it's an owner occupied unit sometimes I've found the big players like state farm to be pretty competitive on price. 

Being in NJ, market is super competitive, so need to figure out how I can maximize the profit.

Utilities are costly (my market likely has the most expensive water in the country and electricity costs that are in competition for highest in the country).