So what one bank might do, another might do something totally different.My guess is that any drop in value would have to be fairly significant for a lender to reduce your credit limit, but I have yet to see a lender actually put a number on it. 

@Andrew Michael I see what you mean about 0 money down seeming like a scam- but taking a profit on the back end actually aligns them with the investors success and allows them to cover their risk that way.

You won't take the credit hit unless you actually apply for a loan.You may want to talk to the commercial lending desk and not residential (think one loan for 8 units, vs. 8 individual loans which would probably be too small for them to want to do).

We drive around our neighborhood and actually look for good deals if there is open houses we walk in to almost all of them.

I understand that this is state specific and i would DEFINITELY get legal advice before actually doing it but i was just curious if giving discounts to certain organization members is kosher with fair housing laws?

I'm curious, when you're budgeting for actual construction costs, do you have a rule of thumb you use to estimate?

I now lease the property for no less (actually more) than I did before I absorbed that cost, and frankly no one even notices the difference that I can tell.

Chris Piper I'm actually trying to message you myself but can not seem to find out how to do that.

Actually it's wood and doors and toilets.

@John Tan It seems our supply is actually down, I think I just read a number lass than 3 months.I hope it means there're some good deals to snatch up!