First, Albany Park is at the end of the Brown Line.

-- How many and which websites is it on overall?

Most margin loans and SBLOC are Prime + or FFR +, and the ones Im familiar with are 8-13% right now.The only other thing I can think of is that if you're a HNW with a good relationship with your private banking team, maybe theyll give your a personal line based on your net worth and assets with them.  

It could indicate they lack sufficient knowledge or experience in professional property management, which may lead to costly issues for you down the line.

I think I've talked to maybe 2 tenants on the phone so far, and I didn't mind because there's a lot of scams online.

I've separated out electricity but not water (never heard of sewer being separated) and I've always had separate gas meters on my properties but have separated the heating system on one.

Software is a common question on BiggerPockets.

I've also leveraged that capability to build some pretty cool dashboard on my end to occupancy, revenue, and cancellation rates across all platforms. 

Purchase price: $90,000 Cash invested: $15,000 First home that I over paid for.

In which case you can get 5% on 3 month CD.