Maybe even a B depending on how you're feeling that day.

It all depends on the work you/your clients want to do to create value and the overall game plan.

This can vary depending on the state.

That higher interest will be a lower cost than the closing costs for the refinance so a net gain (depending on your new loan size). 

It depends if the downstairs is permitted as an ADU, zoning, and what municipality it's located in.

Depends on the actual deal I have seen 85/15 rarely 90/10 but keep in mind your primary home will have a second lien on it typically if your LTV is over 75%. 

Ultimately, a do a little bit of everything in the residential space depending on the deal I find, but either flip paper (wholesale), flip houses (remodels) or flip the debt (buy and holds).I am looking to connect with as many of you as I possibly can while adding just as much as value wherever I can! 

Brian,Because VT is a traditional rental market (ski houses), depending on the minimum duration you will be allowing for rentals (ie. monthly, Weekly, etc.) there are some regular carriers in the New England Market that will write it. 

Most HMLs, depending on your and your partner's credit score and experience, only require 15%-20% equity/down payment from borrowers.

So it really is market dependent.