New tenant received glowing references and has been employed at the same environmental non-profit for several years, has good credit, etc.  

Just a room full of investors buying and selling exclusive (non-MLS) properties.I hope to see you there!

No adjustable rates, balloons, gotcha fees that hard money or non-conventional  mortgages would have.

We currently have 2 properties in SC and the non-resident taxes are definitely cutting into our ROI.

My wife and I started a non-profit charitable organization in 2017 in honor of our daughter who passed away from a congenital heart disease. 

It's non refundable.

Lastly, shop a few banks (your broker should be able to tell you which banks are the most competitive in your market) as they will each have different requirements, rates and fees (some will be non recourse others will want personal guarantees).   

When calculating my cash on cash, I like to include the NRRC - non recurring costs, such as the lender, title, and appraisal fees, since those are sunk costs.

How do you think all the data on non MLS sales gets into the MLS. 

I've heard story of people who held onto a buy and hold, complained about negative cashflow from raising cost and rent not adjusting to how they like it non-stop, but also doesn't want to sell because they like the appreciation (dead equity as some may call) and find it a hassle or just don't know what to do.