Took my friend/fellow CNY investor 6-9 months to get a non-paying tenant out.

Airbnb came out with a new co-host option where you could get paid for your services to assist owners by selecting % of rents...maybe have him pay you 99.9%?

The key is ensuring the after-repair value (ARV) supports refinancing to pay off the initial funding without overextending.Fix-and-flip - This requires sharp numbers and market knowledge.

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

Some of the discounts are good, but just be aware that you will be paying a payment processing fee on top of the discounts. 

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.

Pay attention to reviews and guest feedback to refine your audience over time.

With the HELOC and then converting it to a term loan you will probably be paying higher interest and/or shorter amortization period on conversion which will mean higher monthly payments.

The seller can pay for it at closing (the title agent will cut the check to the trade to ensure there is no resulting lien) and provide proof of the replacement to the insurance provider.  

Tacoma’s market has plenty of opportunity, and your persistence will pay off.I’m very familiar with the Tacoma area and the real estate opportunities it offers.