On Dec. 23, my loan officer called me and said the DSCR ratio was below 1%.

We have a 3% rate so dont want to refi but the property has appreciated quite a bit so would like to tap into that equity to fund our next deal.I am having some trouble finding lenders that offer helocs on investment properties.Does anyone know of any banks and/or lenders that do helocs on investments?

If you have four 2-bed/1-bath units with the same appliances, split it four ways and call it a day.

So 2 W-2s, two charges. 3 P&Ls from different properties, 3 charges. 4 inputs for interest bearing accounts, 4 charges.

Don't be so quick to indebt your paid off townhome until your learn creative financing and review all your options.

They are a husband and wife team operating under an LLC, so I assume it was easier to go after me (property owner).

So your profit should be tax deferred anyway.It should be the same thing for your exit - no need to do a 1031. 

OR do you call each individual specialist (plumber, electrician, mold expert, etc.)?

Owners mistakenly ASSUME all PMCs offer the exact SAME SERVICES and PERFORM those services EXACTLY THE SAME WAY, so price is the only differentiator – so, they often select the first PMC they call or that calls them back!

I would stay away from section 8, pull credit and background, and call referrals, and look at pay stubs for everyone who applies.