Generally I would say short term projects. 

I generally pay on average 400-500/month a month for basic maintenance and repairs. 5200/year for property taxes. 5000/year for insurance.

For those that are 1-4 unit properties on fixed-rate 30-year mortgages, I'm generally not making any changes since they were purchased at low interest rates.

Generally there is consensus that DSCR Lenders can only offer a 1% prepayment penalty for up to 3 years in MI, but some lenders have recently reportedly been flaunting this rule - I would just tread carefully here in this area, generally not advisable to get potentially tangled up in a flawed legal doc with a non-sophisticated or fly by night lender

DSCR are expensive, but that is because they generally take the greatest risk. 

At a high level, this is generally the path people take - we see a lot of people have success in this route - start building the portfolio with banks, low down payments, and then **generally** when you hit around 5 or so properties - it starts to make sense to switch over to LLCs, its too hard to qualify/deal with paperwork of banks and switch towards private lenders like DSCR Loans - (LLC friendly, easier) to scale past 5 or so.

It's also worth mentioning that I already have a good relationship with a wholesaler in town who knows other good contacts, and I am able to use some of these contacts as good resources for general knowledge and learning how it all works.I recently had to close my business of 9 years, and so instead of getting a W2 job or start some other "normal" business, I'd much rather prefer to have house flipping be my primary source of income. 

You may not want your heloc tapped that long as the rate is generally higher on a heloc than it is on fixed mortgage rates. 

I am at a complete loss.....should I call the atty general of NH?  

If its General Electric it is another. family owned company and i can time the payout of the bonus