For example, if a home has an accurate value and list price of $450,000 and I can get if for $400,000 (because of incentives and timing), and it sells for $490,000 three years later, I am not as concerned with a monthly break even cash flow scenario.- Some builders aren't as friendly to investorsI hope that helps.Thank you so much!

I'm relatively new to the real estate game with three properties with roughly one year of equity. 

I have a three unit building, but one unit needs to be remodeled the other two have been renting out for the past few years.If I spend X on renovating this apartment to get it ready for rental will the cash on cash return apply ?

That move felt risky at first, but the guy ended up calling me three months later, thrilled that those subtle changes in leverage gave him a disctreet edge.

You can always open HELOC or line of credit from your primary house or non primary house, assuming you have sufficient equity and income to qualify.

I love Rochester, and I have helped three mentees purchase there too.  

Just getting my feet wet out there over the last three years and its good to see the post and the additional feedback from some really savvy and experienced investors.Built about 10 cabins last year as I talked my ex brother in law into moving out there two years ago and getting our gc license. 

Many folks feel that a one year hold is sufficient. 

An example of this is I had one trash company that collected the same three containers for $90 less than the in place trash removal company. $90/month X 12 = $1080 increase in NOI, at a 10% cap rate that small change increases the value of that property by a whopping (1080/10%=$10,800)!

There are DSCR lenders who have a three month seasoning period to use the new appraised value for the cash out refinance.