I work with several investors in the area. and a deal for one will be different depending on what you are looking for.

If you ask the manager to justify a fee and he starts hemming and hawing, move on or require them to remove the fee.

Quote from @Bruce Schussler: A lot of Podcasts and Youtuber's say to cash-out refinance to keep rents balanced with payment; (PITI) then use those funds strategically to re-invest either in more real estate or just put into a high interest bearing account or money market account...Here's some of my thoughts and comparisons;Cash-out refinance with new loan so rents balance with payment:- The cash-out refinance is 100% tax free- The funds can be put into a money-market account off-setting a portion of the interest charge of loan- The loan balance gets eventually destroyed by inflation- The liquid cash eventually gets destroyed by inflation - The interest on the new loan can be deducted from the rent income- The refinance costs are 3-4% of the total- There is less equity in the property and LLC that can be attached in case of a lawsuit- The break-even on cash-out refinance with current interest costs on the new loan is around 12 years Vs.Paid-off property with positive cash flow:- The positive rent income is 100% taxable minus only depreciation and property tax- There is more equity in the property and LLC that can be attached with a lawsuit- The break even is not until after 12 years at today's interest rates- There is a rate risk in today's inflationary environment where interest rates on bonds keep rising*It appears to me that the cash-out refi is in the best interest for a property investor; (Dave Ramsey would strongly disagree!)

I tried to get a HELOC on my rental property, but the bank denied me for a low loan-to-value on the property.

I have used LIma one on my personal new builds  ..

It has ZERO impact on your heloc rates.

There is a great group of members on here to connect with.

@Marcus Robert Well done on your investment prowess so far. 

Just want to get a little more knowledge on the STR in Cape Coral, any STR - regulations that are investor friendly?

I have done a couple of podcast episodes on DSCR loans.