Finally, what price range are you looking at?

The report shows $195 for water and sewer, which is normally paid by the tenant.

The water pressure on one side of a duplex is not-so-great.

Trying to navigate the regulatory waters and see what hoops we would have to jump through to list a 4Bdrm house as an Air BnB and am finding some conflicting/confusing information.

Property is on the market for 145k.. currently renting for 1600 which will cover the mortgage if I chose to go that route... my intentions is to acquire it below the asking of 145k, rehab it to force appreciation because they ARV would be in the 200-225k range, so that I can cash out refinance to acquire another property.  

I use microwave and small-bag popcorn, Kind bars, a few nice wrapped chocolates and 2 small bottles of water.

Skin can range from as low as 10% of the commission to 50%. 

My opinion is that we should get as much as possible so that we can pursue a wider range of possibilities, and so that we don’t come up short on any potential deals that we may want to pursue.The difference in the in interest rate between the 80% option and 90% option is a quarter of a percent, which does not appear to be a pro-forma breaker, especially since we are using the HELOC as a bridge loan until we can complete the rehab and seasoning before refinancing into a conventional 30 year loan.Other than the difference in percentage on the HELOC, can anyone think of reasons why a disciplined investor would not want to have a larger line of credit at their disposal?

You must talk to some hard money lenders (which can range from a private individual with cash to lend, to a quasi-mortgage broker who does HML and bridge loans - the former often being the easiest/quickest/simplest to the work with, the latter often being more like applying for a conventional mortgage), because you have to know the following about your financing options/costs in order to evaluate potential deals:LTV/down payment requirements, and whether they cover just purchase, or both purchase and rehab costs.

If we do not find a better alternative we will need to change accounts to SDCCU (which has a good reputation (much better than Wells Fargo which has a terrible reputation), it is just a pain to switch).So we are trying to figure out our options ideally in the next few days because if we have to switch banks there is a fair amount of work (our Property payments are all automated: mortgage, water, trash, etc. as well as we have to get the new payment method to all of our tenants that use the direct deposit).We did consider Paypal but some of our tenants are not IT literate (even though they pay a lot for rent they do not have extra money for smart phones or PCs).I will talk to my property management partners about the option of not switching banks and requiring the tenants to send money orders to the PO box.