However If I had more money at my disposal I would have done a fix and flip or bought another rental but none of those tools "fit" my situation and this was something I thought I would be the best at.

For stocks, a very efficient market that is highly liquid, that increased value might be shown the next day, but real estate is not as an efficient market, it takes months to validate price changes, it is also not a liquid asset as it takes time and expense to dispose of a property.As David mentioned, a hard money lender is not a credit lender as much as they are an asset based lender, they may make a loan based on what a value might be, but they will have other concerns as well and they don't provide long term financing.So, when you hear some ignorant guru investor type saying he just made $40,000 buying a property at a discount, understand they don't have a clue about recognizing valuations or market value concepts, we call that stuff puffing, exaggerations on the deal they just did because in reality, what ever they paid was most likely the true value.

If they leave any such items behind and its theirs, there is a small deduction for removal and disposal.

Dispose of all ashes, rubbish, garbage, and other waste to the designated collection areas and into receptacles.

I want the tenants to have every opportunity to dispose of the garbage without second guessing the costs. 

This deduction is related to the loss on disposal of certain assets in your building such as replacing or removing existing components of the building.

My current plan is to wait until/if the price of a condo/house is like a disposable toy to us, so the return will not matter.

I have plenty of credit at my disposal but I want to use it right.I have read many books and I watch at least 3 videos a day on youtube about real estate investing but even with all the education, I have still found a wall that I cannot get through at the moment.

General issue area that I've seen:- Gutters (usually clogged or loose)- Windows (won't open and close)- Door seals (worn out seals, you can see day light)- HVAC check regularly - Vent (dirty)- Under the sink (check for leaks)- Grout (in bathrooms, sometime need to regrout)- Caulk (worn out caulk)- Garbage disposal (rusted, leak or just not working)- Dyer vent (lint could be build up cause fire. the early sign is if clothes not drying properly)- Outdoor trims (usually wood rotten) see if it's need to be paint- bushes or tree too close to the house may need to be remove (roots issue, foundation crack, could be driveway crack too)- wood decking or steps (if you don't seal it, could rotting in faster rate)- smoke detector (old, need replace)- etc (BP member feel free to add) 

A HELOC will likely cost me more monthly , due to the shorter term of the Loan But, with a HELOC, I can always  " Re-Borrow " the amount of the Loan that I pay back , which is something that I will likely need to have at my disposal , as I hope to do 2 Investment Purchases/Rehabs over the next few YearsHELOC's have NO Closing Costs whereas doing a Refi. does ?