No ACH, no credit card.

Most HELOC"s ive found calculate interest on the average daily balance where the balance used to calculate interest was averaged over /30 or /31 days then multipled by rate/12 so this is not a true daily calculation.The other issue I've come up with is that we need a quick way to get the fudns to pay down the line and ACH transfers take 3-5 days sometimes so having an autosweep account that engages auto sweep daily really helps plus we dont have to do the manual transfer (micro manage your line pay downs).

Appliances has its own head aches ,wear and tear and complaints .Circling back to your case ,your appicants sounds too pushy which is a red flag.They want it for 6 months ,when clearly your ppty is clearly advertised for LTR .They want utilities included and washer and dryer installed.BIG RED FLAG.They are too demanding.You are the Landlord and not them.Donot flex your criteria and property for the applicants.Tomorrow they will come back and say the compressor unit is too loud and must be replaced,cabinets are not shaker style and closes hard while closing and needs to be replaced etc etc.To me this above mentioned applicants are a pass .

We've done buy and builds ourselves or can do BTS's but retail medicine in general has a hard time making the debt on a ground lease work, so if you are looking to do that the medical space is likely not the user for you, but if you were looking to BTS or to sell, its a solid end user to work with.

Someone already mentioned Saskatchewan, there are places in Alberta (Lethbridge, Red Deer, Medicine Hat) which are a decent size. 

My tenants can ACH rent payments.

I learned a ton of information in my four years at the Colorado State University school of Veterinary Medicine, but it pales to the practical and applicable information I gained with boots on the ground working with older and more experienced veterinarians on a daily basis. 

FCI supposidly has $15 a month and ACH transfer to checking, so check them out.

Being kind and generous will only cost you money not to mention heart ache.

The 20k for rehab does not have to go through ugh title/escrow company.If after rehab Appraiser shows 125 as ARV.Bank would be willing to refinance at 75% of 125 which is $93.75kAt the refinance closing the Bank will need to issue a check/wire/ach to pay original loan.