Let us know how we can continue the conversation!

If you build a relationship with a Banker you can call and have a detailed conversation about rates.

@Kaaren Hall after seeing your post i called them right away, their fees are extremely high for an HSA that for the most part most people don't have a lot of money in.I max my HSA every year, but if you have a self only plan you can only put about 4k /yr  and if you have some medical bills it's less.they are also very restrictive on taking money out, and no CC to pay the doctor. prior to speaking with them I was extremely excited to see this opportunity you suggested,  but after my conversation I'm no longer...I will look for other options now that I see there may be some, so thanks so much for bringing it up.

there's people out there who will fund downpayments for equity in the deal or a preferred return. hit up local meetups and facebook groups and have some conversations

I’ve noticed that there hasn’t been much recent discussion or activity specific to the Gainesville, FL market, so I wanted to start a conversation!

I have found that the "value add" opportunities, with rent increases, renovations, zoning conversions, and other work needed, absolutely do take up more of your time compared to a more turnkey property - even with third party management overseeing the process. 

With the HELOC and then converting it to a term loan you will probably be paying higher interest and/or shorter amortization period on conversion which will mean higher monthly payments.

This shifts the conversation from opinion to facts, which is harder to dispute.Keep Emotions Out of ItNegotiations can get tense, but staying calm and professional gives you the upper hand.

The more properties you walk and the more industry conversations you have, the better you’ll get at identifying these opportunities.

Everyone is home and deciding to do those updates they have been putting off.I can't wait to meet up again, love the conversation and hearing how everyone is doing.