Wyze cam.

Results show reported income (you should verify though using paystubs or what you prefer), credit score, all revolving accounts and statuses, fraud history, if any, criminal background, eviction history and TU gives a recommendation of either accept or decline.

I pay 4% on a new purchase because the CAM hasn’t been reconciled in 5 years and needs to be brought in order.  

Real estate" is not one business or one type of investment, it is a number of related businesses or investmentsResidential, multi family, office building, warehouse, mixed use, retail, recreational, raw land, tech centersLarge, medium, small, microUrban, suburban, small town, rural, exurbsbDifferent states, different metropolitan areas, different cities, different neighborhoods, different blocks, different demographicsDifferent property age, different architectural style, different fixed expenses, different financing, different tenant mix, different tenant demandSingle net lease, double net lease, triple net lease, CAM, building allowances, rent holidays, lease length, buyout provisions, personal guarantees, lease renewal, cost of living increases, flat percentage increases, Different loan amortizations, fixed interest rate, variable interest rate, balloon payments, fully amortized, institutional loan, private loan, seller carry backBuy and hold, fix and flip, syndicate, partner, joint venture, self manage, professional manager, management company, leasing company, in-house leasing, real estate agent, licensing requirementsFederal laws, Federal regulations, state laws, municipal laws, rent control, eminent domain, set back requirements, utility easements, property taxes, special tax assessments, development districts, water districts, utility bondsPassive investing, active investing, portfolio income, business income, retirement funds, ERISA regulationsAsbestos, Clean Air Act, Environmental Super Fund, pollution control, water runoff, Flood plain, floodway, Flood control, Flood insurance, endangered species, wet lands Zoning, Planning Board, building permits, occupancy permit, community board hearings, noise ordinancesEviction laws, foreclosure laws, bankruptcy laws, civil liability, fair housing, tenant rights, disclosure laws, loan modification laws. 

He has a list of economic indicators he looks at, which seem to revolve around new jobs coming to the area and watching building permits (among other things).Thanks for the thread, I'm very interested to hear about your and other investors thoughts on the subject. 

@Nathan Shankles,One is a fixed amount taken out, with fixed repayment (installment loan, like an auto loan) whereas the other is more like an credit card (revolving and payment determined by how much you have charged). 

The biggest variable of course revolves around the tenant in my opinion. 

For a Flipper, who just needs quick access, and turns over properties fast and repays any loan, I might suggest HELOC, because it's a revolving line of credit, with interest payable only on the amount drawn out an any given time.

For example doing CAM reconciliations is quite difficult.

Quote from @Alex Bekeza: Based on current market conditions I think we could all use a "talking to" from DAVID GOGGINS or Cam Hanes, He'd whip us into shape for sure