@Phil SharpIMHO, local is not as important as responsive or has products for your purpose or works well with others unless you're looking for something that can and should be done by a local bank or credit union. 

Bleach isn’t a mold killer, most mold treatment products have ammonia.

Hi Phil, I can refer you to some good lenders, although I'm not certain they offer the product you're after.

None of them would want to stop doing business...they just modify the costs of their "products"...the money.

@Courtney James If I were in your shoes especially in a production based business like wholesaling I would probably get more value and more return for the efforts and money by investing in a system or technology of some kind. 

More product options - You can invest a small amount of money and still access large multifamily or commercial properties.

A lot of forum members are very knowledgeable in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.Discounts on some products and services are offered to BP members: https://www.biggerpockets.com/perks/proIf you haven’t been to it already, you might want to check out the BP blog: https://www.biggerpockets.com/blog/The site has quite a few tools that can be helpful for new members.

I figured if I go ahead and do the leg work now and put together a quick reference list of cost effective items that will enhance the quality of my rental, it will save me time and money later when needing to do the actual renovations/updates.I'm tracking that markets/locations can vary with styles as well as people's personal preferences etc.Does anyone have a list that they wouldn't mind sharing of what particular items have been your go to when updating your units?

My go to lender has a 15% down product for investors, but sometimes it's difficult to make the cash flow work with that.

A lot of forum members are very knowledgeable in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.Discounts on some products and services are offered to BP members: https://www.biggerpockets.com/perks/proIf you haven’t been to it already, you might want to check out the BP blog: https://www.biggerpockets.com/blog/The site has quite a few tools that can be helpful for new members.