I have listened to plenty of podcasts and ready a number of books, but only a few mention purchasing yours first rental with a HELOC.

Use next 4-6 months to learn by listening, reading and watching how the real estate investment game works.

I was there a long time with the loan officer, explaining the whole situation and listening him tell me how the process worked (completely different than what Lee Arnold tells his Inner Circle students).

New Member but always listening to On the Market (love that podcast).

Listening to all of the podcasts and reading the BP books / Rich Dad Poor Dad types makes it seem like building a portfolio and scaling smart could lead to early retirement and living on cash flow that ultimately replaces your income. 

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.

I have been listening to the Rent to Retirement podcast recently and they have been heavily selling properties in Akron, OH and I have read some really good reviews about their experience.

I appreciate the suggestion to check out Tim Delaney’s posts - I'll definitely do that.FYI - I’m also a regular listener and fan of your BiggerPockets Money podcast, so it’s great to connect with the community here.

But of course folks are going to listen to national guru think its legal every where and violate the law at their peril. 

Our portion out-of-pocket was the $3K deductible.I'm friends with numerous apartment owners.