We lag the market's highs and lows, just plodding along with consistent returns.)I have agree with the author that Toledo real estate is priced very competitively nationally and our rental returns exceed the 1% rule frequently.

I'm personally looking at the 2-4 space right now as I think there should be good opportunity there to make the numbers work in high-value markets

@Molly JonesUnfortunately, many wholesalers that you meet randomly online are not very experiences or particularly skilled at what they do and often rely on bulk rather than quality so there is a high probability that they know very little about the property itself aside from the basic data that they obtained online through data scrapping.

They want to send me to the commercial loan department where the rates are awful, closing costs are high, and the requirements much more robust.What if I just get a second-home construction to permanent loan, wait 12-16 months for it to be built, spend another 90-120 days furnishing it, and then refinance into a traditional 30 year fixed as an investment property?

Too many dangers if it is in a high crime area in the sense of vandalism, theft, etc. 

this  make sense  if you were planning to  refnance  the  1st mtg anyways  ...otherwise  - I would either keep looking for another 95% heloc  or  make due with a  90% cltv  heloc programRight, it sounded like that’s the way in which Lower is able to offer that high percentage and offer this program.

Quote from @Jacob Sherman: Log cabins are tough to finance on the exit  @Jacob Sherman Any suggestions how would someone secure financing for land acquisition and then log cabin construction?

I want to get him to understand if our monthly payment is too high, we don't have the extra cash lying around to fix up the other unit and get it to market rents.

Had a tenant sign the lease and send the move-in fee and 1st month's rent then start asking a bunch of super high-maintenance questions.

One of our tenants had a higher water bill due to the leak that has happened because of water heater failure. Who is responsible for the water bill according to NC Landlord Tenant laws. Is it Landlord or tenant?