My investments are all in the Twin Cities suburbs, but I have helped people with financing as far north as International Falls :) @Jeff Schemmel who do you know in the Duluth area?

Really your reply is the kind of thing that has made Bigger Pockets so valuable for people like me with more limited access to a broad range of more experienced professionals.

When I need something done fast, I can count on them to squeeze me in.Keep in mind that if you need the cheapest option for your deal to pencil, you probably should not be buying that deal. 

People like to use HELOCS especially now, if they have a very low interest rate first position mortgage, in order to tap into that equity without losing the low interest.

This is one area where it helps tremendously to have per-existing relationships with people in the industry such as family or friends.

It's an asset that will continue to grow as more and more people and institutions begin to adopt it as a safer hedge against inflation than precious metals. 

People?

Some high and lowlights:- I had one tenant that brought German cockroaches in and then blamed it on me- Same tenant asking if her daughter can visit but failed to mention it was 5 more very noisy people- another tenant having constant loud arguments with his gf- tenant saved some of my stuff when the house flooded due to a pipe burst and another time during a monster rain storm.

Are you referring to personal losses or other people had losses?

Does anyone have experience employing out of town people with 20 plus years experience ?