@Ford Willoughby, I do not know about 10 years ago, but security deposits in Illinois can be used to pay for any loss to a landlord caused by the tenant.

I use to sell those Kirby vacuum cleaners and I worked for Brandon Ford in Tampa Florida as a car salesman (I know, they have bad reputations).

So, Ying spent some time researching and ford an REI Realtor, because he knows Real Estate has been the #1 hedge against inflation since before America was, well, America.

In 1908"At the time, Theodore Roosevelt was president, New Mexico, Arizona, Alaska and Hawaii were not yet states, and the first Ford Model T car was two weeks old."

Graeme Ford I stand corrected, now it’s the “move the decimal 2 places” rule.

I am big fan and new number I look ford ward to connect and now  the BP member and shar ,learn and do lot of deal with you  

It is sort of like buying a little car that is pretty cheap $2-4k for your 16 year old and using all your AAA towing mileage to pick the car up throughout the year and then eventually buying a nice used or new car VS buying a used or new Honda, Toyota, Ford (Insert reliable used car) and it lasting your kid through college till they are adults.

Just a little humor there but one thing too is that since the subject came up about banks and writing pre-approval letters, etc one goal to have (and I'm not certain here and don't have time now to read the posts again, but it sounds like you don't have the HELOC yet, BUT you at least think you've got a fair shot at getting one-i.e. no awful credit score, no bad customer rating at the bank(s) you bank with, etc) it is GREAT if you can build a relationship with the bank and often the smaller banks (like a regional or local to your metro area sized bank or smaller size bank) are better at this vs the MEGA BANKS, but sometimes if you find the right people at the MEGA BANK they can play ball too, I'd suggest a smaller bank though, if you can build a relationship with them and really often with one or just a few key people there, that relationship over time can pay dividends far beyond just the rigid "rules for lending and biz loans" might lead many to think.Especially in the regional and smaller banks, they'll usually have a loan committee that meets to go over any somewhat substantial biz loan and maybe in a few years or 5, 10 years-whatever time frame you've learned the ropes and pushed ahead and now have this ball rolling and are really ready to make the jump to something not just the next step up, but maybe several steps up, having someone or a few people on that loan committee or who have the ear of the committee saying "Hey this John Ford's a smart, hard working, organized guy who just always makes things work, he deserves a little extra look here for this next loan, I think he's a risk worth taking, solid guy!"

As @John Ford mentioned the Beltline in Atlanta, I know some guys that bought over here years and years ago and man, talk about appreciation and they're cash flowing like crazy.  

We have good credit, 750 scores.I have a co-signer to use for D/I verification.