One thing that is different from other businesses is that there are no days off. 

Primary houses will go back to the yesteryears.

Very different advice if you were looking to make $20k a month while spending your days on the golf course or lake. 

There is no "perfect" structure out there but I've tried a lot of different ones within QBO over the years and this is by far the best I've found.I use this structure for my own portfolio as well.Hope that helps!

Those are some very different markets you listed.

I'm unsure if you would be able to combine both loans given that the HELOC is tied to a different property than the one you got traditional financing on.A work around is if you are able to purchase the new property with the HELOC at a significant enough discount, bring the property value up via renovations or additions, then refinance the property, pulling out enough money to repay the HELOC. 

There is a difference between newbies trying to do creative financing deals and actually doing them.

It's important to have a good understanding of the different areas of Cincinnati and Dayton, so you can assure that you're pulling accurate comps.

Hey Vic I am from CT and I had same issue with one of my tenants some time ago , he want's to save money any way possible so he was keeping his temps really low , I explain on few occasions to him that pipes are going to freeze and all that but he wouldn't listen , so I approach that problem from different angle , since I never had a problem with that tenant before and he was a good guy , always paid on time etc. , I didn't want it to loose that tenant so simply i helped him to get " energy assistance" this is a program to help people out if they can't afford heating bills , I don't know if it is in your state so you my want to check this out.

Quote from @Iliana Herrman: Brandon wrote his book over ten years ago and the market was very different at that time.