To endorse it would go counter to their their identity as a person. 

I'm a software engineer working on a tool that allows landlords to connect to the bank accounts of potential tenants to verify their income, employment, previous addresses, and their identity.

Type of property: Lots of raw land, or developed for renter owned RVs/Mobile homes.Location of property: All property is in a subdivision 10 minutes off the freeway between Houston and College Station - about a 45min-1hour drive from Houston and a 35-45 minute drive from College Station.Purpose of financing: Seeking $250,000 for development of 10 more lots and $100,000 for purchase of 14 more identical lots in the same subdivision using letter campaign.Type of financing sought: I am looking for a long-term option.Current or prior ownership of real estate: I own my own home and house-hacked it by adding rooms (turned a 3-2 into a 4-2) and rented out 3 rooms, getting my mortgage paid.Occupancy: Mostly investment with traditional long term leases that are basically long-term RV housing, but some lots will be reserved for short term RV rentals.Value of property at present: $503k - 27 raw lots at $9k for $243K plus $260K worth of developed lots - Calculated utilizing 2% rule for 5,200k fully leased up rent. ($5,200/.02 = $260k)After Development Value: $920k: 14 new lots from 100k of off-market purchases, + 16 already owned undeveloped lots =$270,000 ($9k*30).

I’m just trying grab any piece of knowledge that I can so that I can start truly molding my real estate perspective and identity.

I have a great long-term tenant that has completed a lot of upgrades and intends on purchasing the property as soon as she can bring her own financing(identity theft victim) or I extend her owner financing.Does it make more sense to do a cash out refi or utilize a HELOC?

The break even point that I calculated was $6770; nearly identical to Jason's.  

Not all the clauses are identical and in many states tenants have been losing their cases because either the language was too broad or too narrow.

It’s an expanded cape and the upstairs has 2 identical apartments with seperate utilities from the main floor.

The other side of the duplex is an identical unit but it is not ready to rent yet.The best tenant prospect at this time are 3 young men who are recent university grads and will be on the lease for $900 per month total for one side of the duplex.

Your depreciation will be almost identical as you’re only adding a few thousand to your basis.