Some banks offer accounts with no monthly fees or provide ways to waive them based on account balances or activity.3.

Based on what you say, yes.

Here's a list to give you an idea:Startup Costs:Down PaymentClosing CostsProperty InspectionAppraisal FeeProperty InsuranceInitial Repairs and RenovationsEmergency FundOngoing Expenses:Mortgage PaymentsProperty TaxesUtilitiesProperty Management FeesInsurance PremiumsMaintenance and RepairsVacancy CostsProperty DepreciationLegal and Accounting FeesRemember that these costs can vary based on factors like location, property type, and personal preferences.

To assess what type of upgrades to do and which will return for you - do some research into what other rentals in the area are renting for and scope of renovations they have - i.e. if the comparable rentals all have painted the 1970 cabinets - then you can do similar and not drop $40k+ on  full gut/ remodel.

15yr Fixed equity loan base rate could be as low as 10.25% at 100% loan to value, with a base APR as low as 10.25%.

These types of loans are approved based on a proforma and plausibility.

Based on your post it looks like you have owned it less than 12 months but seasoning is an important point. 

Hard money lenders will base terms on the relationship and previous completed projects, so you'll want to interview many and compare.

I know there there is no signs of lead based paint in the apartment but I did not give them the pamphlet “how to protect your family from lead based paint”.

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