Hey @Joshua Manier - I've got a list of HELOC lenders that I can share with you. 

Best Route.

The other method is to use a “safe harbor”, i.e., the specific procedures laid out by the SEC in Regulation D.  

Hi Jeanette, I am in SE WI too.

For example a 25 y o applicant who has used credit minimally and has an unpaid bill of $50 in collections from when they switched phone carriers may have a low score, but the only negative on their credit is this one SMALL $50 debt.

Similarly, if you put several Class D tenants in a Class A 4-plex, what do you think will happen to the property?

Yeah @Drew Sygit, I am pretty sure we started the "flat fee" thing. 

How do I use that one property to acquire a second and how do I go from 2-3 and 3-4? 

We often need to ask the right questions to help determine the best route for each individual.

Charges for marketing pics, 3-D Tours, Floor plans?