Residential loans do care about personal income but commercial loans will rely VERY heavily on the property itself. 

Anybody have any tips on how to word this.I would think go straight to the point?

Of course, my property manager is always careful to remind me that we need to be sure to abide by applicable laws/statutes when making a selection, which we do. 

Then I wonder what happens to the investor who lost 10 homes.. what happens to him and then he or she gets sued.this has all sorts of very serious repercussions short of just should I let a tenant slide one week because of the largest natural disaster to ever hit the US>> I think it boils down to investors with money and reserves probably will work with folks.. investors who are mortgaged to the hilt this could be something that really hurts them and they will have no choice but to be hard @$$ non caring landlords regardless of cirucumstances.. and then you just have the plane old greedy could give a crap landlords. sorry for your troubles you owe money..

But be careful to not do that unless you really can raise the rents or lower the expenses. 

What are some tips or pointers to look out for?  

I currently have an agent but have lost confidence in taking care of me.Louis9707492005

It shows them you work hard in Real Estate AND CARE. 

Thanks Frank for the good HELOC tips.

I know that the property management it's not a primary consideration but I share it with you cause I have a very good and reliable team in Orlando so I'm sure they will save me a lot of money if they will take care of the properties.I'll be happy to get advices and detail info from a local investors in those cities. please be specific including neighborhood names or zip codes where you think will be the best to put the money in.