White towels; I put 2 per room and have another 2 per room in closet for fast change over if needed.7.Fast internet connection with a very good router for better video from camera and guest ability to stream movies.

@Jonathan Towell, thanks for the reply!! 

its not that HML have easier terms than banks many don't.. its that banks simply don't like fix and flip financing no matter who you are .. and the HML provides a niche that banks wont serve.buy and hold any number of lenders do that from soft money to national lenders. 

I've analyzed it in greater detail and the numbers look great, and I put in a soft offer to see if the seller would entertain negotiations.

I'll tread softly.

I am looking at places that are recently renovated, to well maintained, to needing significant work in multiple areas (anywhere in greater DMV).

Then you start collecting names and "soft commitments" of the amount of money people would invest if you found the right deal.  

The seller has already provided soft copies of the 1040 to the bank but with social security numbers and other personal information blurred out.The question is... why does the bank need the sellers 1040 from IRS?

Troy is limited to... well...

@Brian AdzadiYeah we went to Wells Fargo and they offered 5.3% whereas the regional bank offered 5.75% and I figured it's better to go with the better offer.I think my next quote coming in on Monday is from PNC bank