These types of loans are approved based on a proforma and plausibility.

15yr Fixed equity loan base rate could be as low as 10.25% at 100% loan to value, with a base APR as low as 10.25%.

Based on your post it looks like you have owned it less than 12 months but seasoning is an important point. 

Hard money lenders will base terms on the relationship and previous completed projects, so you'll want to interview many and compare.

To increase your expertise, make use of internet forums, seminars, podcasts, and books.

@Christopher RileyDon't try to collect all these fancy sounding words you heard on some podcast.

Obligo charges a monthly fee based on the dollar amount and Tenant's credit score.

I know there there is no signs of lead based paint in the apartment but I did not give them the pamphlet “how to protect your family from lead based paint”.

All of them are using Wordpress as their base.

I do my search and feel that Manchester, Liverpool , and Birmingham as most likely areas I can invest in , My goal is to have good houses "Single famliy" with good prices that can establish a good cash flow as passive income.For sorry I do not live in any of those ares, I know them from EPL and try to do the research based on income and thier share in UK GDP , for sure london is the best but I can not handle the prices there.Based on my reasech I can classigy them as follow : Manchester is the best in , Birmingham , and then liverpool.I see Liverpool houses is more but rent to prices ratio is low .I need your insights on this with your valuable advise , considering the area I choose , I will keep investing on it and enlarge my protfolio in it for the next 10 years.