Don't submit the bank statements to underwriting unless you actually need them to close the deal however, as it can cause additional steps in the process for you and your client (if an underwriter sees money moving around, it can cause you to have to paper-trail the funds back to their source, which often isn't a lot of fun).If you haven't completed a loan application, start there.   

Actually went today and talked with a loan officer friend of mine who does helocs, I can pull 80k for 700 a month with a 2500$ origination fee.

My parents have a cabin in the finger lakes not that far from Buffalo, and I’ve actually been reading good things about Buffalo. 

It will, depending on the financing, rents are strong in that area.Let's say you take a mortgage of 600k (75% of your ARV) Taxes - 5k Annually Insurance 2k Annually Rate - 7.5% 30 Year Fixed Your PITI payment would be $4,778.62If the lender is using a DSCR of 1.1 - you would need actual / market rent of $5,256.48 to qualify for a 75% LTV loan. 

I actually live outside of Coachella Valley; I just run my business there.

Our contract actually states this, so no surprises to our clients.

I have actual never heard of the group, I looked them up and plan on attending it within a few months after I finish college(I'm currently in the upstate).

Anyone that tells you they haven't heard anybody, or seen it, it's cause it never gets that far due to actual coverage.

Lessons learned for the next tenant to include an early lease termination agreement to actually write out what the consequences will be for example one or two months  rent plus security deposit etc.  

Higher risk means higher volatility and thus a higher probability that expected returns do not actually play out as planned.The low risk markets though tend to overtime far out perform the high risk markets.