While both used to scare me, I'm confident they can be used well if the cards are played right.Happy to be joining the community, Kia kaha.Tristan

They do have a yearly membership but I think I'm going to try and attend one meeting (I believe they have a door charge for non-members) and see what they are all about.

I fully understand that the HELOC can be paid back, then accessed again, etc, and that you only get "charged" on what you've borrowed. 

They see other people looking at same house and it drives a sense of urgency for them to apply right away.I charge a $40 application fee and then run background checks at www.residentresearch.com for $26.00Charge a higher deposit than one months rent so that they are encouraged to pay last months rent and leave place clean at end of lease so that they get deposit back.

There are discount brokerages out there that will reimburse buyers or charge 1% listing fees, their clients get what they paid for. 

In any case the business owner is ultimately in charge and the one penalized.

It may sound nice to pay a 5% management fee but the extra fees can add up to be more than the other company that charges 10% with no add-on fees.

It may sound nice to pay a 5% management fee but the extra fees can add up to be more than the other company that charges 10% with no add-on fees.

The current owner didn't pass the green card inspection and they don't have time to fix them before closing. 

A conventional loan is typically the lowest interest rate but requires 20 or 25% down payment plus any fees they charge.