So I looked into it and found that the city is expanding faster than the current infrastructure can support so they had to raise water rates to fund expanding their water and sewer systems.

If you want to flip or do more short term projects, then a HELOC may be a good idea if you can find a lender for that and you can keep your likely low rate.

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As interest & insurance rates have risen, it makes it much harder to meet these types of checks.At the end of the day, people are more fearful than greedy so now is the time to be greedy. 

Factors such as age, fire protection of the location, alarms, construction, proximity to a coast, etc. can impact the rates.  

On weekends, late morning - late afternoon (11am-4pm) seems to get the best response rate for me.

In the current environment, with rates in flux, it's best to start thinking about a commercial re-fi sooner than later if the current note is coming due.

Legitimate hard money lenders and private lenders may not ask for business taxes, bank statements, or other documentation but they will ask for much more money down, their terms are usually 12 to 24 months loans, and higher interest rates.

Outdoor space, including parking, living areas, and potential expansion, can enhance the property's appeal.Location should be considered, as properties closer to tourist attractions may command higher rental rates but may also come with higher purchase prices.

Savings accounts and treasury bonds are paying decent interest rates right now, so if OP needs a year to save up more he actually has options for the first time in years.