Up here in the Reno, NV area we are seeing strong population growth from CA because of tax advantages and a different political climate than CA while still close to friends and family from CA. 

Even with our high mortgage cost, we are cash flowing !

I have contacts for long and short term managers in the Tampa/ St Pete/ Lakeland area. 

Given that we are on BP and so many people know Brandon, I am very surprised that not many people are invested in ODC.

I've done this on one house in order to cut costs - since then, I've added a meter with the utility company but it's a good workaround for the short term. 

DSCR won't work for us because given the rent roll we would only be able to be at 65% LTV, and we are looking to be at 70%-75%.

When a rental is taken out of service for personal use the accumulated depreciation goes away over a short period of time. 

The six month cd isn’t the point my understanding is that I can’t just take out the HELOC, I need to actually use the money for my plan to work and a short term CD seemed safe and reasonable 

Example, a short pay history - non-redeeming factor, a 25% down payment, a redeeming factor to counter the short pay history.

Some similar phone numbers and such to other short term companies that other people said were scams.