@Venka Pulla Many smaller PMCs are unprofessional, they can also be vindictive.So, suggest you get all the info you can from your Owner Portal before terminating them.Also, hire a new PMC BEFORE terminating the current PMC.Then, terminate and work closely with the new PMC to get tenant payments switched over and whatever documentation is missing.Hopefully, you'll screen for a new PMC better than you did to pick the current one!

What do you suggest 

@Vijay Singh SambasivamI would suggest speaking to local banks, and credit unions.

Any suggestions on areas?

You've probably heard and have been suggested to invest in stocks, bonds, or have thought about other real estate alternatives.

The most important thing is to know the details of your local program like the back of your hand, then look for loopholes.Just to give you and the other BP'ers a deeper handle on why some TDR programs work and some don't, I just uploaded an excellent study on the topic to my FilePlace at http://www.biggerpockets.com/files/user/ChrisNewma...

If you're getting started, I'd suggest focusing on single-family homes in growth areas with strong population trends—let me know if you need help finding the right deal!

In addition to Nathan's great recommendations, I also suggest verifying that the PMC is licensed.

Any suggestions or recommendations out there for best rate HELOC (not 2nd mortgage).  

I will suggest that a seminar that sells training materials only would not have helped me.