Last I checked, both america first credit union and golden west credit union would do HELOCs on rental properties in Salt Lake City.   ...of course, whether using a HELOC to buy a new property is a good idea or not is an entirely different discussion--it depends on many factors (e.g.; your current financial position, the deal, projected cashflow on the new property, your existing portfolio, your goals, what percentage of your overall net worth and cashflow this deal would consume, etc., etc.)...as others have mentioned, it's very easy to become over leveraged and find yourself in hot water--so you'll want to use very conservative financial models, and have some experts check your models for errors/omissions before moving forward... 

We learned you can check these numbers by dialing our personal cell phones, but this is far from a perfect solution since we are only checking none carrier at a time.Signed up for caller ID reputation… didn’t work so well.So the golden question; is there a better dialer we should be using, for our size AND provides a number checking spam feature?

This is golden advice

Paypal was the golden child when it first came on the scene for online payments. 

If you have an O'Reillys auto parts or Walgreens (or any other S&P rates investment grade tenant) then you're golden.

Golden has a 10-month minimum.

Some of the additional resources that she mentioned are below:Searchable Municodehttps://library.municode.com/mt/missoula/codes/municipal_codeMissoula Zoning Maphttps://www.ci.missoula.mt.us/1529/Whats-My-ZoningMissoula County GIS Map (I love this for property research, clicking on the little globe on the left allows you to add layers to the map which is also quite helpful.)https://gis.missoulacounty.us/propertyinformation/Montana Cadastral Maphttp://svc.mt.gov/msl/mtcadastral/Accela Citizen Access (this is the old version of BuildingEye but is searchable - no login needed, just search by property address, I use this a ton)https://ebiz.ci.missoula.mt.us/CitizenAccess/welcome.aspxand my new favorite is this one - Public Utilities (shows location of water and sewer mains)https://cityofmissoula.maps.arcgis.com/apps/instant/sidebar/index.html?

Is that not the golden ratio for cash on cash returns? 

Are there advantages or disadvantages to buying properties in snowy markets during the winter season, and how do these factors impact the overall property value and investment potential?I am looking for some out-of-st...

It is a good starting point for new investors to begin their search for the golden unicorn of real estate investing, a "good contractor!"