I try not to involve banks (the cheapest money) you end up losing 45% of Potencial CF.New here but if your able to contact me we can talk more about creating Cash Flow.  

Hi Jaycee, I did barrow from a local bank, this is my third property with them.

For example, the valuation method is different, and banks lend on it differently. 

Qualified applicants that get priced out of rapidly improving neighborhoods will move into these areas but it seems like they aren’t biting.High quality, lower income applicants aren’t stupid and they won’t settle.If you think this area is a losing proposition, I would think about selling and not banking on hope.In regard to vacancy, I don’t consider any area that has average occupancy (economic and physical) below 95%You might pay more for a better area but time will treat you right and you’ll make a ton of money in equity over the long term.

There are a few banks in HK that are also located here in the states.

I find it hard to believe that investors are actually buying negative cash flow deals, but they are and then banking on appreciation.

And as my core commercial banks understood that I doing everything i could to protect them.

Second to cash in the bank is HELOC cash because you can use it however you want (you just have to see it already in an account).

We are still doing a ton of fix and flip loans there and the numbers make sense for the banks.

.- Depends on what you're doing specifically, but usually I'd recommend getting an EIN at least to give access to business bank accounts- Repeating #1, if you're going to a property and 100% of your time is spent doing renovations and the like, sure, but if any of it is for personal benefit, that'd be disallowed.