And there are a lot of ways to bend the truth. 

I usually try to get as much info from each institution as possible before I let them run it so I am 99% sure I'll be approved before I give them the green light but this creates a bunch of extra work on my end.

It may sound nice to pay a 5% management fee but the extra fees can add up to be more than the other company that charges 10% with no add-on fees.

I have this idea that I will buy a 2-3 Bedroom town home while I am over there for grad school and live in it and rent the extra rooms out to help may the mortgage. 

In that case I would choose the HELOC with the stipulation that the reno will increase rents high enough for the extra income to pay off the HELOC within 2 years time.

The truth is, you could read 100 books and still not know enough because certain things need to be learned through trial-and-error.

This can give me 5 extra hours of reading/listening time per week.

Since they have been great tenants, I would just charge extra pet rent!

The truth is, you could read 100 books and still not know enough because certain things need to be learned through trial-and-error.

It may sound nice to pay a 5% management fee but the extra fees can add up to be more than the other company that charges 10% with no add-on fees.