Be careful- literally street by street can be very different.

Or a general rough number for interior painting.I fully understand every market will be different.

There are different price points on different manufacturers.

All of us who have done this long enough have had our 'plans' go awry on different investments from time to time. 

This is completely different from needing to make 3x the monthly rent in income to qualify.

I'm not sure how straight-forward your rental amounts are, but I needed the ability to line-item out several different charges (CAM fees, etc.) as well as have different base rent amounts based on the year of the lease (cost of living increases yearly) and found that Innago was the best fit for me. 

To also phrase his respond a little differently, why do you need a commercial lender if the seller is carrying the note? 

Marketing, management, deal underwriting are all very different. 

I have verified with local management company the availability of tenants.

I would say the difference is largely a question of which is the better interest rate - the heloc vs the rental mortgage.