I believe the new President will kill the EV mandate .

most bankers are standoffish ;-)yes, the HML/PML will be higher cost, but my concern for you is the banker knows he can't do your deal, but will string you along for a while, ask for additional information that takes you time (and maybe cost) to put together and he ends up either ghosting you or taking 6 months to tell you no.I could be wrong and you may be dealing with a "unicorn" banker, but I believe a HML/PML that knows construction in your market will be easier to work with, actually close your deal, and end up "saving" you money in the long-term...just my 3 cents - even inflation has increased this!

I believe the syndicator in most instances is more important.  

I believe this is right for most.

I believe they expect us to rollover and let our insurance company handle it and just settle.

I haven't advertised a rental on Craigslist since 2010 and it was full of scammers and other problems back then.It's hard to believe that site ever survived.

If you believe the area will appreciate heavy, I personally would opt for SFH.

I believe I can qualify for the HELOC on my own, saving my wife with additional debt ( when used) on her credit.Is there anything to think about if I apply to the HELOC solo?

At the same time, I believe it’s important that we approach this situation calmly and constructively, as we both share the goal of resolving it efficiently and fairly.I did find your email to be pushing and impatient, which I didn’t appreciate.

Based on years of experience with over 530 investment properties in Las Vegas, here are some thoughts to help you evaluate the value of property managers and how to find a good one.The Value of a Good Property ManagerMany people believe that a property manager's only value is collecting the rent.