I don't know if they still do it but if memory serves a few years ago TD Bank would do a HELOC on a rental in second position but only if it was titled in someone's personal name. 

I would personally put them in notice just because they never tried to communicate it on the back end of fixing it.

The property is insured on your behalf, personally. 

I'm a passive investor and these properties are in a different state than I reside in so I'm not there in person often. 

I dont like any company personally that does not put their principals on their website as in meet the team.. ... 

The strategy is built on your own personal cash flow commitment.

Not sure if the upstairs tenant (heavyset person with a dog) plays a role.Seeking suggestions.

I personally spend about 50K a year in masterminds and always get my money back just through network of individuals you get access to.

I spend roughly $120k on my renovations, but this is for the entire property and developing the secondary suite which certainly costs more (2 new furnaces, all new plumbing, new kitchens and bathrooms with tiled floors and showers).All said and done, I personally love it.

It might because they don't want any random person just setup a property management software to make it look legit and using it to scam people (tenants)