I shop real estate online daily as well, so I looked at the link.

I'm looking to work with a broker who can shop around for the best quotes.

This will vary be lender, but just be aware of that and shop around.Also, as of now, I like the HELOC route, because I don't have to pull all the money out at one time.  

In the interim, start the shopping around for a good REFi product with a great interest rate amortized over 30 years. 

VA loans backed by the Department of Veterans Affairs even allow veteran borrowers to obtain 100% financing on a home.According to the Consumer Financial Protection Bureau (CFPB), before shopping for a mortgage a borrowers should:Check their credit reportAssess how their spending habits will change with a mortgageBudget for additional or changed expensesDetermine how much of a down payment is neededDecide on a purchase price of a homeCreate a loan application package with personal and financial information including pay stubs, W-2 forms, copies of recent tax returns, bank statements, and proof of identity2.

I would shop around but I don’t think you should have a problem finding lenders that will accept 20% down.  

DJT is right- every American is entitled- and expected- to practice tax avoidance(via depreciation, 1031 exchanges, or whatever, the tax code legally allows) but tax evasion is a different animal.

There is a learning curve so keep that in mind when shopping for software.  

Congrats on starting shop in KC @Brandon Toron!

You would pass water, electric and gas on to the tenants so you can exclude those from your analysis.For insurance, call an agent in your area to get an estimate or use one of the numerous online comparison shopping sites (you can get a quote without owning the property).