I am guessing that the vast majority of homes 10+ years old had some sort of water damage at some point, most had probably several.My own home is only a few years old and we had the washer spring a leak and a few years later the RO system in the kitchen started leaking into the cabinet.Seller disclosures are pretty useless in my opinion.

If I thought for one minute there was a big market for EM deposits and a reliable bevy of potential clients I would be all over funding 7 figures .. but even with all my experience in lending I jsut dont see it  personally and maybe I am blind to it but I close a lot of deals for wholesalers 10 to 20 each and every month for years..

At the moment with 3 rentals (6 total units), I have one account and a credit card associated with it.

BTW, the rental property is cash flow positive.Good questions @Bob DoleJust a quick not to clear up any confusion, Flips are not rentals, and as a result, don't depreciate.

Do you want this thing to be the tipping point for them to leave and you have turnover costs and a vacant unit? 

Depends what you're looking for really, it might be worth discussing your strategies and goals with a broker, a national lender, and a local CU. 

I just used cash to build my first 3 specs no loans at all.. once done and sold then I went to lima got one loan from them.. then went to local bank ( much much cheaper) and got a 3 mil  guidance line and went on to build 30 or so in charleston.. you have to prove the model.. its not like buying a rental where lenders look strongly at your fico  fico is required but not the main consideration like and investor loan and all you need is 20% down or 30% down and a few bucks in reserve that wont fly with spec loans..

Simple things like a branded email at your domain and a website can open a lot of doors. 

Really just a place and a time for like-minded people to get together and talk about their passion for or interest in real estate investing.

These are professionals with additional training and a stricter code of ethics.