Read some other comments - I guess it is technically a cash out refi, but you're paying off a line of credit as opposed to putting the cash in your pocket which is what I typically think of when there is a 'cash out refi'.

Any good recommendations for the collection agency or any way to get the money back from the tenant or any way to report it to the credit bureau?

Verify credit, employment, etc for you. 6) I would definitely want noise (quiet hours), guests, and treatment of common areas covered. 7) We've used Rent Manager as it focuses more on the financials which I think is super important.

If I were in your position, I would look for a bank or credit union that will give you a line of credit against the rental property.

Thanks @Don Konipol, but I can’t take all the credit here.

This is the reason I quit being a moderator because of something that went mildly off the rails in the forums, and then it was completely censored because I responded to staff in the forums after they mentioned me.I think the moderators do an amazing job and should be given more pay or credit or anything.

I would suspect once investors digest the higher rate environment and some of the hurricane damage is moved inventory will settle out in neutral territory. 

My W2 income is very high (+$500k), excellent credit, but I hate my job and I want to leave within a year or two. 

.* Receipts and Expenses: Once I brought to Jenny's attention that we were 20k above budget, she refused for days to give me the receipts, saying that I needed to give her my credit card statement first.

If you’re looking at retrofitting to separate heating for each unit (like furnaces or mini-splits), you might be looking at a higher upfront cost, but it can shift utility expenses to tenants and improve your NOI.I’d factor in boiler age and efficiency when analyzing deals and if it’s near the end of its life, negotiate a price reduction or a credit.