Usually lenders that offer this just pad the cost with a higher interest rate (known as a rebate).

or if that's uncomfy at least bring along a note pad and several good pens..At the end, I'd ask these two things:.1) What kind of investing activities are you still active in? 

At $150 per month pad rental the owner wasn't really interested in making money from his tenants. 

We've flipped 7 houses in 2017 and using a HELOC was our launch pad.

Buy and explain felt furniture pads for ALL legs of every piece. 

There is a guy close to the dam who has a small lot with 5 pads full hookup.

Unfortunately, many hosts tend to pad that amount to make extra revenue.

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I feel like the stress level of owning a 3 unit out of state is totally not worth it to have a crash pad unless you already have a network of contractors, etc. 

I did pad the numbers with higher than likley expenses because some of the utilities were paid by owner and I wanted to look at a tough month rather than the best month when evaluating.