So we think flood insurance on this one is a wasted expense each year, and can go away when we are no longer tied to bank financing.Screening and vetting: As with every property, vetting good tenants is essential to success.

There's also all the expenses w/ housecleaner and essentials for the house. 

It seems that pushing them to do their jobs is always essential; - There is a lack of horizontal connections between employees.

It is essential that you consult with an experienced cross-border team including attorney(s) and tax expert(s) to ensure that you access the right advice!

The closing cost and associated fees often add up in these transactions.In the examples that I saw … Essentially there may be a mix of private/creative/bank money to get the asset initially.

The issue that I'm facing now is whether I want to pull it out against one of my rentals or on my primary.I have found a bank that will allow me to borrow as a second lien on rentals but their rates are higher than what I could get when just doing it against my primary.What I'm most worried about is what happens in a worst case scenario, should something drastic happen in the market.From what I understand, using the money against a rental doesn't necessarily provide much more of a safety blanket in case things hit the fan because if, somehow, the HELOC lender can't recover their money, you'll get sued anyways.

You might not be able to beat that top earner if they have something you can’t achieve (ie lake front or better views), but knowing what amenities matter in your market is an essential step in determining what you need to provide. 

My goals are to provide financial freedom for my future family and establish a sustainable safety net if physical limitations prevent me from retiring from my current W-2s.

Unrelated to HOA but if homes won't pass the safety engineered designation, who demo's house and haul off and when does HOA or city make owner to remove?

Maybe as an additional safety net set your DSCR% or cash on cash return a little higher than other areas you own.