If one is not accustomed to working with contractors, then your expectations are probably unrealistic.

We always send a contractor through to test everything and if broken, give estimates to repair and we can determine then if it is tenant damage and what charges to the security deposit should be.

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. 

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

However, this wouldn’t typically happen directly because of the appraisal issues themselves, unless factors like low market rents or a lower-than-expected appraised value shifted your loan into a different pricing tier.

Something I never expected to be apart of. 

If they aren't commencing work in line with what you expected and contracted for you may be entitled to your deposit back. 

Interest is 18%.for a total of 30.5k in debt.current financial status:1k emergency fund.1k in reserves outside of that.6 month plan:I'm going to japan in march with my sister so i'm currently reserving my money to do cool things in japan as it was my personal incentive to get my *** into gear and get my life together.after that trip i'm planning to tackle my debt in order of highest interest rate to lowest interest rate.I believe i can comfortable put 2500 a month into my finances. so i expect to be able to be debt free roughly a year from march.After that: im planning on parking my money into the smp 500 to help it grow until i have enough money for a downpayment on a duplex to a quadplex and doing the houshacking strategy yall talk about.