No multiple levels of "if x, then y" rate and fee language like I received at Wells.My next stop is PatelCo, Travis, Provident and other credit unions.I haven't walked into the regional banks yet, but it's on my radar.Regarding your HELOC, BRRRR strategy - be cautious with any investments outside the peripheral of the immediate bay area right now.

.- Not willing to add yet a recurring cost-----------------With the above I went with Wyzecam, a recent startup building cute little cameras, wifi connected, 1080, night vision, extremely clear pictures, real-time stream, motion detecting with sensitivity adjustment, sound detection, 24-hour sliding recordings, all for $20 with no subscription needed.

@Angelo AguirreYou clearly have a relationship seller and have tunnel vision.

I'm sure they are out there but of course like anything the vision and abilities have to align very very nicely....

Its impossible to quantify both but they can be taken into account if the vision is to eventually turn the next acquisition into a buy/hold rental. 

Our city desperately needs a fresh vision and a new Land Development Code that paves the way for smart growth in both our residential and commercial sectors.

My vision in all of this was to make some cash to re-invest in buy and hold houses.  

I welcome any suggested paths to better educate myself from the ground up.I'm not yet at the point where I know what I would like to invest in (duplexes seem interesting), but hope to form a more concrete vision and associated goals within the next few weeks.

Hey BP community,My name is Nick, I have been bouncing around the peripherals of BP since I did my first webinar on the BRRRR strategy back in October 2016 with Brandon (go PNW - land of beards and beers).

Personally, I made my vision plain, prayed, and executed something every day until I got here.