@Ryan Dossey I am using them already.

I am using vTiger CRM which is open source and free.

In the case I am using my HELOC, if the purchase and rehab costs are above the funds that I have available, is that where I could look to a hard money lender to cover the rest?

Having tons of programs resident on my computer that I am unable to access unless I am using my computer is a major downfall of installing it on my computer.  

So I am using that as part of my competitive advantage.

If I lend you money from my IRA, and you lend me money back, then the IRS could view you as a straw man I am using to access my own IRA funds.

I found a couple that I am using.

I also am using properly leveraged debt (70% loans) to defer my taxes, using cost segregation studies too, and every rule or loophole the government affords us as RE investors.  

if I am using some of the electricity (should never be over $30, I think).C) Just do all utilities included deal. 

So I guess my question is, how or what do you all use for annual increases for Taxes/Insurance/HOA and rent increases.I currently am using 3% for Taxes/Insurance/HOA increases and 1.5% for annual rent increases.