Have small home on larger property that city approved adding/building a larger primary home on.

I have been pre- approved now its just about acquiring the right deal.

Here is nothing wrong with rejecting additional applicants once one applicant has been approved. 

Obligo confirms their accounts and approves them, then charges then $15 a month while promising to cover up to $1,600 for any claims I file.Rhino is another option, more like an insurance policy.

You're correct, in addition to higher rates and fees when obtaining a HELOC for an investment property, there are also stricter approval requirements (high credit score, LTV ratio, gross rental income, cash reserves, etc).

Whether  you are a seasoned investor or experienced home buyer there are still questions to be had when it comes to lending.Key points to remember and to ask yourself when you are getting ready to get a pre-approval are:What is my FICO?

Mine states all vehicles must belong to Tenants, be operational and licensed, no trailers/RVs/campers and other recreational vehicles without prior written approval, park only in designated spaces, no maintenance work can be done on the property, etc.

Got a question gang, so should I aim to get a pre-approval first? 

Do you need tenant's approval to assign a property manager/or hire a different property manager as the managing agent of your property?

Cash is cash as others stated, a HML may or may not require approval, appraisal, etc.