.), and it also requires the property to be in my name (not in an LLC).Does anyone know of a bank that will do HELOC on rentals in NC that do not require the property to be in the owner's name and/or is not limited by how many mortgages you already have on other rentals?

If you ask the manager to justify a fee and he starts hemming and hawing, move on or require them to remove the fee.

I did respond to that email with the specific section of state law showing the disclosure requirement.

Upfront expenses and monthly payments must be considered when calculating the return on your investment.EXAMPLEI will provide details below, but here's the short version for those who hate to read or do math.

Once you get to around $14k you're going to scale up to $37% but you can deduct half the expenses and depreciation which will reduce your taxable amount of income..again without knowing the income this is not possible to calculate.   

Online I found that tenants are not required to pay the difference between their vocher amount and any remainder of rent.

It usually requires a much larger down payment, like 50%.

Last year we were able to connect an investor of a coastal six plex with our personal credit union and due to strength of borrower and property, they provided a non-member with a 25% down mortgage with a 25 year amortization on a property the seller was requiring 'cash only' due to the presumed challenges of multi family financing. 

But it seems that property taxes will increase extraordinarily high next year and coupling that with expensive home owners insurance.

However, be prepared for potentially higher interest rates on investment properties compared to primary residences.Cash Flow Considerations:While your primary goal is appreciation, aim for at least neutral cash flow to cover your expenses.