@Makani Donaldson as a PMC, can tell you that trying to go around a PMC and "Cut out the middle man" to get to the owner will just make your name mud in your area.Who's going to trust you?

I just think I have it better than most because there is no need for separate utility meters in my county because it is rare for anyone to use an ac or heater here lol all the city requires is a wall furnace. 

Talk to your banker about your plan.

Being healthy is also important to us, so the more organic stuff we can get the better too.

HML is expensive, better to use private money from friends or family. 

It isn't easy, but you'll learn a lot about underwriting from the process and know the ins and outs of the entire model, which makes using it, troubleshooting it, and adding to it much easier.

I've handed off my LTR to a separate PM and they want to be named on a general public insurance policy for the unit, but truth be told, I feel like I need a solid umbrella policy to cover the MTR and any claims against myself and husband as the owners of the property.

You would borrow against the equity at 7% or more, then use the money to pay off a credit card?

It's not as easy as the social media gurus preach. 

Here’s our OPINION for the Metro Detroit market (use as a template for your target area!)