I saw your profile and I'm also a singer/songwriter but have turned my focus primarily on real estate.

The confusion comes from focusing on an incomplete sentence about HELOC: "not deductible."

Any recommendations or referrals for a real estate agent focusing on Ft.

Any recommendations or referrals for a real estate agent focusing on Ft.

You are simply an employee of your business if you are doing the work yourself, and the money that is potentially costing you, far outweighs what you could be making, if you were focused on big picture tasks, instead of hanging drywall or laying tile.

I'm still trying to figure out my market, what niche I'm interested in, and exactly what location (geographic) I want to focus in.

You should focus on yield management.

However, I wonder why you are focused closer to home in PA. 

We focus primarily on real estate lending and most banks are going to price their loans at a spread over the 5yr or 10 yr treasury.

He should be glad and not charge  you an arm and a leg so he can focus on other things now and have his workload more balanced throughout the year.I don't know if realtyshares provided you an estimate K-1.