The 3 main banks here are BPPR, Oriental & First Bank.  

Its a more comprehensive view especially early in your investing journey unless $ isn't a factor.

Running detailed cash flow projections, factoring in their management fees and expected rent increases (you can use some of the great BiggerPockets Pro tools like the calculators to do this!)

What is the main hang-up with financing, when it comes to adding bedrooms?

Credit scores are made up of many factors, one is the utilization of an account vs its credit limit.

The people I know are mainly via Facebook and not close connections.

In our experience as a property management company, we allow owners to use home warranties, but they are required to coordinate directly with the warranty company themselves.The main issue we’ve seen is that home warranties can significantly delay even simple repairs.

When working with private lenders, the costs for preparing loan documents can vary based on a few factors, including the complexity of the loan, the attorney’s experience, and the geographic location.

Either they choose to move out or you get paid for the “hassle factor”.

The bottom floor is approved for commercial business and has the main vault, some marble flooring, and a back room office and restroom.