I was expecting to see a list of names with my name up on this list :) here are some 1.

Personal background: Married with no kids, 100% debt free, live a rather tame lifestyle and don't spend large amounts of money, two newer vehicles (2020 & 2024) so no vehicle purchases expected for the next 10 years. 

What it the T-12 data and last years NOI ?

I know that in different areas you can expect different returns in cashflow and appreciation.

This is because they didn’t budget properly and rent wasn’t high enough to cover actual expenses (repairs and maintenance, cap ex, vacancy and loss, tenant damage and turnovers, etc don’t expect to have any money left over after all of these expenses are accounted for if the rent is less than $1,500/month). 

The actual potential value of the property is disproportionately higher than you would expect based on current revenue.  

A HELOC gives you flexibility since you can draw as needed and only pay interest on the amount you use, which might be useful if you’re not sure exactly how much you’ll need upfront.That said, it’s important to compare the interest rates between a HELOC and your expected returns in the stock market—if you’re making more in your investments than you’d pay in interest, it could be a good play. 

Something I never expected to be apart of. 

We do our best to run our businesses honestly and expect the same from rent collection / banking platforms such as Baselane.

t's all about price.