We are going to be taking out some equity, no not a heloc, so that we can do some remodeling on our personal residence kitchen.  

Anyway, that's a no go now.

I plan to build versus buy because Im currently working for my father, who is a general contractor in Fl, and will save on the construction costs because I can do most of the work for little cost other than materials. it would be minimum labor cost and no profit cost from contractor.

@Andrew Acosta I see no reason to pay off the mortgage only to turn around and just refinance it.

No need to waste my time constantly replying to, "Is this still available?"

Having worked in commercial real estate for nearly 20 years, and knowing many people that have been at it for 30+ years:1) no one ever goes bankrupt with no debt2) Most everyone I know in their mid-50s or older, that have built large portfolios (with debt, admittedly), seem to move from acquisition mode to debt pay down mode.

The problem is that there constantly seems to be fees being charged to me an example of this is in the contract  there is an additional 100 dollars allocated to sewer and water that the tenant automatically pays every month with rent and anything outside of it should be billed to the customer (there is no specificed time when this will occur on the contract) but it appears to be billed to me and after speaking to IIP it's like they made up rule on the spot stating that after 6 months all of the additional utility fees would be billed to the customer and in the meantime I am being charged for it.

Does anyone know if applying for 2 existing apartments on 2nd and  3rd floor with commercial space on ground floor in CMX4  zoning requires fire sprinkler system if no construction is needed? 

I called a real estate attorney today based on a Google search, and I got an earful about how Subject To was not possible, the bank would call the loan due, I need to have 'very deep pockets', etc etc etc.I know it's possible and there are people doing these types of deals.

No, those expenses are those expenses.