Most of the people who live below the poverty line in the US still have much higher income than a large portion of the planet.

There is a blog devoted to all things HELOC, called Planet HELOC - http://www.sagetips.com/heloc-blog/ .

What planet do you live on that its common practice to completely turn off heat in the winter?

Bill Gulley - Since you paint with such a broad brush, I assume that you have personally met and come to know the personal motivations of every coach, mentor, and guru on the face of the planet.

Anyways I wanted to get a mortgage for a rental property but my bank is JP Morgan Chase, and even though Im in their private client group, they are one of the least risk averse banks on the planet.

Right now it looks like estimating the rehab is trending as the number 1 answer in the poll, which would probably be my #2 choice for investors (especially for greener investors or ones without construction experience), but I think the real answer is Determining ARV.

I believe that's a bit harsh; after all, mankind has yet to sample and observe any actual population of scum growing on this planet to behave so wicked as to somehow deserve such an insult.

Believe me, the best plan on the planet is BUY IT - DON'T FIX IT - OWNER FINANCE IT for Double ...and watch your buyer go over budget fixing up your collateral.

Like everyone else on this planet, we've had thefts on jobs and in at our own properties where thieves took the stoves, refrigerators, dishwashers, built-in microwave ovens, washers, air conditioner condensers and had walls ripped open for the copper pipes and copper wires.

Sell or seller finance to greener pastures.