Are you not able to make up the difference with the HELOC and the rentals or would you prefer not to? 

I'm looking at the bottom third of the market to focus (in Boise that is under $450k). 

Hi Daniel Simplified also runs meetups in your neck of the woods. second Thursday of the month I believe they have on in Lowell. 

For podcasts, of course there's the BiggerPockets Podcast and The Real Estate Guys are solid picks.Connect Locally.

The location of the property is near a college and the setup is very similar to college apartments.

I am just getting started and only have a couple units at the moment.

He ended up having to pay back all the extra money to the tenants AND pay back all the money S8 paid for rent since the beginning of their tenancy. 

That being said, most originators are hit with a clawback penalty if you payoff your loan within 6-9 months, meaning that the originator has to repay all commissions and fees to the buyer of the loan if you payoff the loan within that period.

The tenants may even appreciate the service.

Credit scores are made up of many factors, one is the utilization of an account vs its credit limit.