I love to see line item example between avg hard money vs traditional local bank?

Based on that you can house hack yourself to a 4-plex live for free, bank all your work income while utilizing your cashflow.

This will continue to work until it doesn't and then I think it will get ugly.So, to help us BP members, investors and syndicators alike I would like to encourage everyone to look at this metric.It's a bit hard to calculate because it's not just the amount you are paying on your bank loan but rather that plus the amount owed to the investors on a syndicated deal.

Since the bank will pull the funds back out of your account when the check doesn't clear, I book the check against the rental income account and not as an expense.

The bank appraised it for 185k at closing before we even had the keys.

If so try a local community bank.

My current loan is $340k and LTV ratio is close to 78% ( 340,000/435,000).So I called my bank PNC and ofcourse they are not very friendly to answer any of my questions and everytime I ask a questions, they reply saying " we do not have the answer and  you have to send us a written request".

Near several restaurants, banking and churches.

So this bank loan is out of question now. 

Also, many of the banks in my area won't finance manufactured homes, and the banks who do offer financing will expect that the home is well maintained and is sitting on a permanent foundation and even then the rates for those loans will be higher.