-the property is in a non warrantable condo complex-loan size of $70K-$75K-property is rented and has good cash flow-I would prefer a fully amortizing loan (no balloon payment); so preferably a 30 yr with 30 yr amortization but would consider a shorter, fully amortizing loan as well-Looking for a LTV of 75-80%The deal size is too small for a lot of lenders (including B2R).

Small world.

She is looking for freelance work to bring in some extra money.I can utilize her for working on my social media presence, SEO, and some other administrative tasks around marketing.I have already told her that it will probably be small tasks to start out with and I can't pay her anything steady until I start getting more deals and bring in more income as I scale.Curious what everyone is paying for this type of work?

We're open to everything, that said.There are no cap rates on SFR's or small multiplex's and it is not a profit metric. 

I've done a number of these with small local banks in my area.  

There are a lot of areas that allow work on your own owner-occupied home, but if you are working on a rental, flip, or similar non-owner-occupied house, you need to have licensed tradesmen do plumbing, electrical, etc.Ran into this issue while flipping a house in a small town in NJ.  

We have a small lull in September which gives way to our leaf season traffic, which is very busy and we are able to command higher prices through the end of October.  

It will be difficult in my opinion, unless you can change the use of the land by petitioning for a zoning change with the city council, and then try to sell a re-zoned single family 4 unit parcel to a small developer.

Though the city needs a lot of work in terms of crime and school, there aren't too many small/mid size cities with the arts, food, nightlife, access to suburbs, lakes, wine region, etc. that Rochester has while having extremely low taxes. 

I know we need to setup a separate bank account from our personal finances to run our rental properties business, but not sure if we should go through a "big bank" or "small bank"/credit union.