In any event, whenever you do get around to shopping for your HELOCs, here's a list of questions to ask when calling around: What You Need to Know When Shopping for a HELOC.Hope it helps and good luck.

If you ever want to grab lunch or coffee and talk real estate, I'd love to connect. 

For financing just shop around and compare.

https://www.getrefm.com/shop/excel-models/apartmen...REFM: $500 is a lot to spend on software

Appliances that you already owned and converted from personal use to use in your rental property can be separately depreciated using their thrift shop value at the time of conversion.  

I have been to mechanics school,Welding school,cut meat for 35 years, ran heavy equipment, been an over the road truck driver and owned a butcher shop.  

I don't buy properties that require an HOA and the utilities are always covered by the tenant.So if I have a market that has 3B/@B homes for $100K the 1% figure I like to apply only tells me that the rent needs to be around $1000/month.When I find properties that fit that criterium, all the other important aspects start coming into play, but all the properties that don't meet the 1% are out.These other criteria include things like the quality of the schools, the distance to restaurants and shopping, the crime rate in the area, the stability of tenants, meaning how long are typical lease agreement.

If so, you might shop at at a couple local / regional banks to see if they can do better.

There are lots of brokers out there though, so you could shop around a little.

Maybe we can grab a coffee sometime and I'll tell you what I have done.