In my mind, it's always good to have the ability to pull more cash out, but that doesn't mean you HAVE to pull more cash out if you want more security and/or cash flow.

@Sabrina Savillo I think Jacob and the others point out a very good thing regarding deal flow and the ability to find one replacement property within the time restrictions of a 1031 Exchange let alone needing to find 2.

Any return depends on your ability to put together your transaction.I do spend a lot of my time in other people's business and assist.

They do have the right to stop the future draws if they think your credit has changed or your ability to repay.

You would use it occasionally.I have some disappointment at the ability of HCD to enforce the rules.  

@Andrzej Lipski could also be a great resource as he is doing a lot of wholesale stuff based on website SEO.

Having confidence in your ability to evaluate the deal and that your numbers are accurate? 

Does anyone use like a bill slip to add into the envelope ?

As long as you are buying below the median,  you will do well in this business.Rates are a big factor for us as investors but layoffs are THE big one here as it directly effects the consumer's ability to pay their/mortgage. 

I design affordable custom websites for small businesses, my designs specifically focus on getting the highest Google PageSpeed scores possible (example) which boosts their ability to rank in search engines and making sure their site includes at least 2 content silo pages that rank for specific keywords (ie "sell my house in Atlanta, GA").