No multiple levels of "if x, then y" rate and fee language like I received at Wells.My next stop is PatelCo, Travis, Provident and other credit unions.I haven't walked into the regional banks yet, but it's on my radar.Regarding your HELOC, BRRRR strategy - be cautious with any investments outside the peripheral of the immediate bay area right now.

(I have the Floodlight Cam which is hard-wired where another exterior light used to be, but they have a solar option also)  You'll just want to make sure there's a strong and consistent wifi signal (I believe minimum 5mpbs) so there are no hiccups with uploading to the cloud.  

Y

Check both, if it's a small company with an individual owner ask for their credit as they probably won't show up on a Dunn-Bradstreet report .Now, in reality, if the nurse cam out good, I'd skip the investigation of the company but would have the sign as the guarantor.She is leasing, that rent is income to her, the credit for paying goes to her structured this way. :)

Quote from @Brandon Y.: Determine market rate.

I'd let them know how much I appreciate how they were good tenants but policy states 'x,y,z.'

Be done by x date, or y dollars per day, week, etc. works on jobs where you can get clear on the timeline and there is still incentive for contractor to complete ( ie monies owed).

I would give him a chance .Similarly -lets say you find an experienced agent , he has great market knowledge , know his numbers , very honest but he does not have good availability , some times he responds in a day or two - That's fine , try to see how you can make it easy for him , Fill out the contracts yourself and let him review , don't wate his time asking what "FHA" is - use him for his expertise and not as a form filler .I also see lot of agents - complaining that , they dont have time to run comps or don't have time to do X or Y . as most buyers take lot of time to put in an offer .

If I want to low ball and my agent tells me no for X,Y, and Z and I still think it's wrong, I'll push back until he makes the lower offer.

The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized.If someone calls the local code enforcement authority and says "hey I'm pretty sure that place is a death trap, because I saw x, y, and z" then that's probable cause "supported by oath or affirmation."