It’s a small fee to pay for all the exposure you get.

It is a small, well taken care of beach cabin, two blocks from the beach, in a great summer vacation area... winter not so much. 

To cover my very small 36 SQFT of counter space I'm looking at $200~ in material to install myself.Does anybody have any experience with this stuff?

They are always lazy and does not keep up their end of promise.I always prefer small group mentoring over one on one. 

The deferred maintenance - hallways dark and dingy, the small gym looked old and run down, and other things like that - started to worry me in that they would not be fixed or get worse.

If you can can't find a private lender to lend that small then offering the same people an equity stake in the deal.

I'm a network engineer by day at a small community bank in Polk County and a land lord by night.

I am interested in small single and multi family homes and am currently in the process of buying my first property!

Also management companies who do this usually take a small security deposit.

I would look at it this way:On one hand, I can try to find a local bank that will like me enough (yes, it's a person-to-person relationship in these small banks) to give me the loan to refinance but they will do LTV or LTC whichever is LOWER and will usually use the current NOI as the bases of valuation.