Owner ended up settling with the tenant, but then we had to threaten to sue our own client to get them to pay our legal fees.- Owner must sign a Hold Harmless to indemnify us against any potential tenant lawsuits relating to the work their contractor is doing.--- Another lawsuit resulted from owner's contractor taking down basement handrail to get supplies down the steps, then they didn't put it back and tenant fell down the stairs.- We also negotiate a reasonable completion date, depending on the Scope Of Work (SOW). --- Who gets all the phone calls and wastes time calming a tenant down because the owner's contractor doesn't show up as scheduled after they took time off from work or a 3 day job takes 3 weeks?

Sure, I could look for a higher paying job, but I was wondering if anyone has any creative short-term methods to improve my ratio.

At this time, I am having to pay all cash in order to close.Purchase price is approximately $600k.

It pays to have a look at the EMA floodmap and see where you are in regards to potential flooding. 

What is not deductable is paying yourself for work done. 

I walked to the house and met a man who says he was cleaning out due to the loss of their mother in some few weeks back.The guy told me she is  left with 12 years mortgage on the property to pay the bank.

That way I can use it when I need it and pay it down when I don't.

What do you mean you are paying $400 additional dollars more than what you are paying now?

Depends on what you have to pay for your money, may not be worth it.

.: I would go HELOC for sure that would be best as others were saying the lower cost for the money changes between paying a higher rate for a personal line and typically personal lines they want a higher monthly charge as well independent from the interest rate.