A car forum that I'm a part of, and I know the owner of the forum, told me that the dedicated app required constant work and updates as phones and operating systems changed. 

@Dustin Sanders We have a couple of options that can still do a 15% on DSCR, but as Stephenie eluded to above, everything else has to sort of line up in a perfect scenario to make it work. And

No lender will lend on a deal that doesn’t make sense.4) After the appraisal comes back you will get a document that outlines the amount to be borrowed and all fees that will be relating to the loan (I would suggest to ask for an example of this document when you are searching for an HML so you will know what fees are going to show up).5) Close the loan at a title company of your choice.6) Begin work and make draws on any repair balance.

Another option is to split the cost based on the number of occupants in each unit but this also means you'll need to adjust the charges as tenants move in/out, so it requires more work and I wouldn't recommend it.

A prudent investor doesn't seek quick riches through shortcuts.

Podcasts on the way to and from work, and read a book right before bed, maybe even squeeze a few minutes into browsing some specific topics in the forums.

The place where you can add value with no money is a situation like: you find project A, it is a 120k purchase and it should need 80k rehab but you can get rehab done for 65k cause you can do some of the work and you know how to save on materials and you can manage the rehab. 

If I didnt monitor and didnt correct mistakes the job would've cost me the same but with lower quality work and craftsmanship

The six month cd isn’t the point my understanding is that I can’t just take out the HELOC, I need to actually use the money for my plan to work and a short term CD seemed safe and reasonable 

Has anyone worked with them before and can shed a little more insight into how they work and operate?