Has anyone found lenders (preferably credit unions or small local banks) that do HELOCs on investment properties, or are okay with a tax return that shows income generated occasionally on a 2nd home?

Our expenses are about $1,400 monthly (plus the occasional oil fill up).

*Open the windows, use the vents, and air the Premises out occasionally as needed. 

Occasionally, I'm asked about two or more people pooling their resources to buy properties.

. $100k doesn't go far out here but there are still deals to be had. 2 family, full rehabs in the lower to mid $100k range come my way occasionally. 

Yes I mean that in the past we occasionally took 2% *didn't like it but let it slide and now that the buyer broker sets minimum percent we are now at 2.5% firm minimum which is an interesting turn of events. 

Taxes can vary significantly by location, so this is an important factor to consider.Maintenance and Repairs: Plan for ongoing maintenance costs such as landscaping, cleaning services (if not done by yourself), and occasional repairs.

Occasionally I have made a mistake and let some folks in that weren't the best neighbors to the other folks at the property.

Most around my area and the ones I've been calling will only offer 70% occasionally 75% for investment properties and again these may be subject to commercial terms and rates with shorter draw periods.

Here, the extra percentages make up for the occasional loss, time value, legal, headaches, etc.If you’ve done enough loans, you know your default rate and should be able to calculate the required percent increase.