I have never borrowed from a HML, although I will later on this year.I, too, would love to borrow as much as possible, BUT I try to put myself in the HML's shoes...If I am a HML and someone with very limited or no flipping experience asks for 100% funding, I would not do it even if it were a smoking hot deal.

if u seen the movie 'Limitless' it sould resonate with the psyche of how i believe our society is conditioned into a delusionally bipolar'grass is greener' mindet where we are either very happy/successful, otherwise we are down in a ditch waiting for the next opportunity to get back up there and be ecstatically happy and successful in the future.what about incremental. to me, that's how savings and investment actually materialize. heck, the very word itself 'invest' should encompass the fundamental of not consuming today in order to have more tomorow. i myself have times when i am broke but thats almost always right after a close where i invested than liquidated. my final thoughts are practically nobody on BP is living in the horrid shantytowns of any continent for matter where they are living in starving conditions with no food/water available on a daily basis nor having nothing to call their own other than the clothes on their back. such is the case out there for some large portion of some 8 BILLION humans on this planet. many, many if not most people out there all over the world don't own anything at all except the clothes they are wearing right now. likewise, many/most people on this planet don't have a practically endless supply of food so they dont go hungry. here in northamerica, luckly even homeless folks if there hungry can simply find out where the nearest 'soup kitchen' is and get a wholesome meal on a daily basis indefinitely. we have so many resources at our fingertips that it is so easy to start saving up 100s of dollars a month even based on minimum wage (whereas a family overseas living in rural areas with no local jobs other than living off the land, as is the majority of situations across the globe, may be lucky to even make $100 a YEAR!).

@Larswin Mendoza, you should check local laws because some municipalities have specific limitations such as rent control or prohibitions against smoking on the property.  

-Remove and cap a washing machine hook up in the 1st floor kitchen-Add a washer supply and drain to the new 1st floor laundry room -Install a new shower diverter with controls in the second floor shower-Add a supply and a drain for the second floor dish washer. 

I would pay market or above price for properties that were long term hold if I had an excess supply of capital.  

A house with a basement is fairly easy to do.Turn off and Drain the water from supply lines usually by cutting the pipes in a couple of strategic places in the basement.

I have only one quote so far, but it seems a LOT higher than what it should be: $1500 just to set the new tub in place, which will include re-routing of the water supply and drain lines. 

Can your supplies be put on a extended payment, no interest card at a Home Depot?   

What I mean is, I go to the tiebreakers listed on my 'general qualifications sheet' and briefly peruse all the apps I received at the same time, looking for move-in timeframe, (they may not want to move for 2 months), term they want, #of people (are they pressing occupancy limits), if they smoke, if they have pets, does their income pencil out, special requests (did they ask to paint or do things to the place?).  

In our area, rents are rising much faster than inflation because investors are taking advantage of the supply-demand being in their favor and raising rents for that reason, not so much because of a rise in taxes, insurance and operating costs.