I am using traditional 5% down financing to purchase my new primary.so, for 1.

Matter of fact I am talking with the painting company I am using (which consist of two women) to add carpet installation to their business.  

I am using a company but i may reach out to you.

The turnaround time is pretty high compared to the units I am used to renting, but the tenants still stay for months at a time, rather than just an hour or two ;-)

In my numbers I am using a conservative 40% expenses mainly because I have no other information on the property.

I am using my college education to prove you wrong on a real estate investing forum.Secondly..

If I am using a conventional loan for the finance, does the refinance typically occur with the same lender or a second lender?

To save money I used cash, rather than hard money, to fix up the properties and have been doing a refi to get my money back when the construction was complete.What I learned after my first year is that it significantly slows down my growth, because I am using my cash to finance the turns.

@Giovanna Miller I am using McCaw Property Management for all my PM needs here in the DFW area.

I find this thread amusing.