Merchants Bank MN See Pavel UshakovPenFed - max 3 other properties, 89% LTV Regions- yes HELOC but no LOC SCCU Florida 70% LTV, 6.25% interest only, not LLC Signature Federal Credit Union 75% LTVSound CU "non-owner occupied HELOC, capped at $150K and interest rates are prime + 2%, 3% or 4%, based on credit, not to exceed 70% ltv.”S&TTCF BankTD Bank TIAA Direct was EverBank Tower FCU, all states except TX, max 45 DTI, green card ok.

I posted this a few hours ago on another thread:I was born and raised in Albany Georgia.

Have you looked into what rates you can get on just a hard money loan and how does that compare to the APR on this card?

Everything I seem to find is very high level about how to raise capital, how to find a deal, how to get your first deal, etc. but I cannot find anything that does a deep dive on real estate investing systems and structuring!

I have some telling me that I can do minor repairs on the property and use a credit card to purchase materials (HVAC Filters, caulk or even paint) and my IRA can pay the credit card directly (keeping it at arm's reach).I also see where this interpretation of services versus repairs could be considered a "Grey" area and I am just looking for something that turns it at least a little darker.

Currently they are raising capital for Houston apartment complex.

They didn't even raise it the 1.2% to 3.6% (varies by year) allowed by rent control. 

NOW, if there was a recent storm that cause a sudden leak resulting interior damage you may not have much of a leg to stand on because HOA was not neglegent in doing timely repairs, it just happened.Now if you think they should repair but they won't you will have to sue your HOA (yourself also since you are an owner) Once they board and HOA recieve the letter from your attorney, they will likely just settle and fix your wall inside since it will be way more costly to defend and it may raise they HOA insurance next year, thus passing the cost to you via your HOA dues.

Pays $950Since I inherited the tenant, and the prior owner never raised the rent of section 8.When I emailed DCA agent with the increase, I told her i wanted to raise it closer to the HUD FMR.

If it is off-market, then you'll need to most likely need to raise capital for a cash closing.