That way I can use it when I need it and pay it down when I don't.

Some of the discounts are good, but just be aware that you will be paying a payment processing fee on top of the discounts. 

Pay attention to reviews and guest feedback to refine your audience over time.

Sure, I could look for a higher paying job, but I was wondering if anyone has any creative short-term methods to improve my ratio.

Tacoma’s market has plenty of opportunity, and your persistence will pay off.I’m very familiar with the Tacoma area and the real estate opportunities it offers.

I've been running the numbers on different properties using a variety of online calculators for properties that I initially thought looked like there may be potential.

With the HELOC and then converting it to a term loan you will probably be paying higher interest and/or shorter amortization period on conversion which will mean higher monthly payments.

Hi Jasmine-Congratulations on being ready to turn your primary residence into a rental.Your question is should you use a property manager or self-manage your property.If there is enough positive cashflow or you can afford to pay a property manager, I always recommend doing so for the following reasons:1.

.)- All in Cost = Cost to build * Square foot  - Sales Price = All in Cost + (All in cost * 20%)* Covers contractor and soft cost on either fee based or cost+- Profit = (Sales price - (Sales Price * 7%))* - All in Cost   accounts for agent fees and closing cost- Initial List Price = Sales price + 10%      A buffer to test market absorption- Break Even being All in cost, point where everyone is paid except me. - List price is to test the market absorption at "x" price. 250k land + build.

What is not deductable is paying yourself for work done.