You clearly have little knowledge of how to run a business and the costs associated with it.

If you're looking for a long term business associate, in my personal opinion it is best to team up with someone that you want to make rich.

HELOCs and HELOANs do exist for rental, but with prime so high and secondary tier of LLPAs associated with these programs you’ll be above 10-11% all day.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable). 

The association has an inground pool and a day pier for everyone to use.

Budgeting for maintenance is key, and factoring these costs into your investment analysis is crucial.Expenses and Cash Flow:There are definitely various ongoing costs associated with real estate ownership.

As a business owner myself, I would not want to claim association with, let alone endorse a low-quality company with deceptive business practices, like WealthAbility – it just reflects poorly.

Which associations do you speak of ?

That's the kicker with class D - looks good on paper, doesn't pan out that way in real life True that.Paper returns are always different to real life returns.We also never calculate our time and risk as they aren't tangible estimates.D class comes with a lot of time and risk associated with it.And PM needs to be really rough in order to make it work.

When all the expenses associated with owning and maintaining that house exceed the rent you can get from the property you are effectively upside down and are actually paying your tenant to live in the property.