From analyzing deals to exploring creative financing, I’m realizing that success in this business is about persistence, relationships, and constantly improving. 

We will then, as the units turn over, get rents up a good bit further with additional design improvement renovations and hopefully reno into lower interest rates when they drop or at the very least in 5 years on our 20 year we'll have paid off enough to refi into a smaller loan.That is the only kind of smaller deal we can find in neighborhoods where we want to buy now. 

Last question, how significantly would the APR improve if we leave 30% in vs 25% or 20% on a HELO? 

You’ll want to check if your specific work falls under their home improvement contractor licensing, or if there are additional local permits required depending on the county.

Since 2020 we've seen large asset value increases and large tax increases, and more modest insurance increases but we've been able to improve our profit margins sufficiently to keep up with inflation and even do a little better in many cases.

However, we have a two-pronged process to credit repair: negative items remove and positive items improve.

We’re using a well-known Columbus CPA firm this year and for a similar price the work has been better, and the engagement is night and day improved. 

To further improve cash flow, look into doing MTR(travel nursing) or if possible STR(more risky).

•Exterior: Landscaping improvements, including tree trimming and shrub removal.

@Dominic Holt , I am happy to review your scenario and suggest changes that could improve your property.