Are there any banks/credit unions that charge LIBOR instead of Prime on HELOCs?

The max you can charge is dependent on the jurisdiction.

Charges are high, but if you don't want a personal loan to cover EMD, then this could be an option for you.

Some things I do to avoid bad situations: screen well, only have properties in good locations where people actually want to live (I find tenants behave better when they know they have a good thing going for them and that they are easily replaceable), set proper expectations, have a rock solid lease, go over it with new tenants to make sure everything is clear and agreed upon, and enforce the lease by issuing a formal notice to pay or quit every single time rent is late by even one day (and charge the late fee), or a formal notice to cure or quit every time there is a lease violation.

If I won't be making any profit from the 1st deal and very little profit from the 2nd deal, how am I ever going to be able to afford a monthly charge of $2,500?

City officials are pointing fingers at landlords, suggesting they're charging inflated rents to maximize the voucher payout.Mayor Whitmire reportedly lobbied for more funding in Washington back in May. 

It seems like everyone is charging for coaching and courses now.

I have a friend who works for a well-renowned construction company in our town who has offered to be our general contractor at a discount (only charging us 8% vs. the standard 15%) and "teach me the ropes"/make the right introductions so that I can repeat this on my own in the future. 

Then I found out they generally charge a fee to fill a vacancy.

.- Im thinking of not charging security deposit because of all the strict MA laws and just using the last months rent as a sort of security deposit, thoughts?