My current building where I live in Logan Square is still technically a house hack except I am using the lower unit as a short-term rental instead of a long term. 

I have a question about two condos that I used to live in, but then turned them into rentals.The numbers I am using are not exact.  

I am using US Bank for the HELOC

So I am using the V2 Smarthings hub.

But if rates 5 or 10 percent higher in 5 years, then you're screwed and have no recourse with the guy that projected they would not go up that much.I am using more and more 5 year balloons, but that is out of necessity with getting into more commercial properties.

I am starting to put together my processes for deal analysis.I am using the REI spreadsheet that @Joshua Dorkin provided in the following post, but I think that I need a more to the point calculation to rule out properties that are not anywhere in ballpark.http://www.biggerpockets.com/forums/88/topics/2551...The following would be helpful:Suggestions on steps to take/information to collect, numbers or otherwiseQuick calculations.

Right now i am using Zelle but they do not allow business accounts so the money go to my personal checking account and then i transfer it to the business account. 

I am using Listing Spark to list the home.

I am using the Zinus Green Tea in our vacation home. 1.5" gel topper with a thick water resistant cover.

., I am using the tools available on BP (mostly daily) to evaluate properties, reading through the forums, educating myself, have multiple strategies depending on if it's a flip or hold...just trying to get this money thing together so that I can actually pull the trigger.Really trying to get solid, as you say, on actually talking to other investors and making sure I do sound like I have a clue about what is going on!