That is fine if all you are doing is flipping, but since you mentioned that you have buy and holds you want to make sure that you don't lose the tax benefits of rentals.To avoid having the dealer status attach to you personally, I would consider doing the flipping through an S-corporation. 

Which I don't want to do because then I lose all the flexibility I love about the HELOC to begin with.On the subject of the large minimum monthly payment, it screwed up my debt-to-income ratio and that was one of the factors that blocked me from getting the refi I'd had planned. 

A Blue Ray player and a selection of G, PG, PG13, R, and other movies that would appeal to adults. 

You can ask around, but that often is tough because no one wants to lose their favorite. 

Lenders don't make very much money (and sometimes lose money) on smaller loans and that's why so few lend on lower amounts. 

Break-even on expenses is four trailers, so I have been consistently losing about 1K per month on the property.

Now if you think they are charging you for additional repairs incurred that were not expected then you need to make the decision on whether you are fine with losing the contractor over 200 bucks.

See if an investor typically averages thousands or tens of thousands of dollars for their time per hour then if they spend time with you they are not only not making money but losing that return per hour.So if someone spends time with a potential investor and they take 20 hours at 2,000 an hour that costs the experienced investor 40,000 in time.What Is great about Bigger Pockets is you can post when you have some time and then thousands or more can read it at their leisure and learn something without constant direct one on one involvement.

You have to subtract the original $230k you paid out of pocket first...which leaves you with $715k.Now, subtract all the lost income (now negative CF) from the months that you had vacancies, Maint. costs, CAPEX, etc...assuming 15% of rent per year, that's about $15k x 15 years = $180k...which leaves you with $535k in virtual profit.IF we just stopped there, you would have gotten $35k/year return (on average).Now, comes the big money losses.You will be operating at an average loss (and this is real money due to cash out of pocket to pay for expenses not covered from rent due to now negative cash flow)  per year of at least $15k.If you had invested those losses (and since the source would have been liquid this is not a virtual thing) at a measly 5% per year, and reinvested it all every year, you'd be at almost $800k in actual real money.Anytime you accept hard cash losses, you are losing the benefit of your cash being a "verb" instead of a "noun"...and you lose all the compounded profit from you cash being reinvested and in action...forward action.

Nothing can be more frustrating when you lose money on a flip.