So basically they are saying loud and clear they dont want any professional investors utilizing their HELOC only the accidental landlord or aspiring RE investor.None the less the product is stellar.

I suggest utilizing one of the referral networks out there.  

I’m trying to analyze a similar 23 park in eastern NC with all pods owned by tenants, utilities are paid by tenants and it’s on the city water & sewer line.

I have money saved up, 15k, that I am looking to use to purchase my first property and my credit score is ok at 670. one of my issues is my credit utilization due to credit cards I took out for my business that I maxed out and I also have student loans.now fast forward, I want to get into house flipping and later on buying and holding, probably 5-10 years from now. i have done a lot of research on loans I could utilize including the fha loan which seems to be the most attractive to me however I am aware that I would have to stay in the property for a year before I can do anything.

From an operations stand point, make sure the quote from the contractor includes — full containment and HEPA filtered negative air movers that ideally can exhaust to the exterior, manometer with print out logs documenting the containment’s negative pressure throughout the mitigation, full removal of affected materials (drywall, baseboard), (wood framing can sometimes be sanded and then sprayed with a spor/fungicide), and finally an *inspection by a third party environmental hygienist for air clearance*.

Any change from the last landlord to you (how to pay rent, when to pay rent, utility costs, etc...) usually end up as a conversation or attempted negotiation rather than the rules of the building. 

These include loan payments, taxes, insurance, utilities, lawn care, and any other costs that occur during the Rehab period up until the property is fully rented. 

Buy in either: - Established, affluent areas: Pacific Heights, Presidio, Cow Hollow, Sea Cliff OR- Tier 2 areas that might become more affluent: Mission Bay, Potrero, Dogpatch, MAYBE "Outer Sunset" (although yes - it's probably in a lower tier than the others) 2) Are we likely to make money if we invest in a cosmetic renovation of an older place or is the cost of labor and materials in SF likely to diminish our potential profits to a negligible amount. 

As for ARV105k PP16K Reno labor, materials, appliances7K holding cost (HOA, Mort, RE taxes)128K all inI came up with 175K based on another property for sale 159k and made adjustments for improvements I made that they do not have.  

who pays utilities?