Jackson can do a free 30 minute call with you and you can book online.If you do go the LLC route, you'll want to make sure you keep all of your finances separate as well. 

Some HML charge you interest on your max loan amount from day 1 (they call this Dutch interest or loan) others only charge on funds actually drawn.

But it does vary wildly - I work with a larger firm, we have in house professionals who focus 100% of their time on state and local tax / sales and use tax, various aspects of international, employee benefits, trusts, estates, gifts, etc, in addition to various industry focuses - and as a result we charge higher fees because there is a significant amount of very specialized knowledge floating around that is at our clients fingertips as they need it. 

Maybe we can call it the "Ohio Cartel" lol@Pradeep VelugubantlaBeen based in Toledo for 10+ years now.Updside:1) Low entry, high cashflow2) Blue collar employed tenants that pay rent3) Homes well kept4) Certain pockets have infrastructure that supports tenant and homeowner demandDownside:1) Tertiary market with declining population from a macro standpoint2) Not much upside from an appreciation standpoint3) Unsophisticated work force.

Our tenant called us and said the handle on their toilet broke.

Let me send you over the lease and call it a day if they ask how much would the renewal be or if they specifically ask will the rate be going down because I see the market is going down then I would open that door for the communication and negotiation.

Locate FSBO (For Sale By Owner) properties that are priced within your goal, and just call and make an offer. 

I once had a call saying half the refrigerator isn't working they refrigerated all the food in the freezer while waiting for a replacement but normally the fridge is a complete failure and tenants are not that flexible.

You can move it back to your LLC after the loan and while this technically violates the due on sales clause, it's really, really unlikely they would call the loan.As for the refinance fees, the only way to avoid paying for them twice is not to refinance twice.

What's this I've been reading lately about a pause in distributions and capital calls?