I am in Dallas and find it surprising that any sub market in FTW was declining but that is the reason for the LTV reduction.

If not I suggest that you call customer service to find out.

In this case, I've been a real estate investor and property manager for 18 years so I would be the one to find the properties.

A Heloc is loan that can become a sore thumb if not used correctly and can hurt the property it's on and the users credit.If you are going to use the funds for a down payment then a Cash out refinance is what you want to do to get the cash in hand. 

Hello BP, I am looking to see which local banks in Tampa you may have had success/great experience with for a 75%-80% LTV cash out refi for a SFH investment property?

I recommend finding an accountant who specializes in real estate taxation and tax planning.You may want to consider working with your accountant remotely to expand your options.I would also recommend looking for a accountant willing to work with you throughout the year.

Then move on.Go to Google and search for "adverse action notice" and you'll find plenty of examples like the one below.

I am not finding a clear answer on how those homes will be depreciated.

The more you know, the more prepared you’ll be.2.Find Your Strategy: Real estate offers multiple paths—flipping homes, building rental portfolios, commercial investing, etc.

Finally have enough to consider making a play here and looking to find some locals and read further experiences here.