A lot of that is referral based or people find my site online, organically. 

Quickbooks online could work for what you need.  

Meaning any of your Helocs can be closed or reduced at any point if any of your banks feel you are over leveraged, miss a payment, credit score drops, even by mistake it happens all the time.I would get rid of the Helocs and put some cash in your bank so you can use that versus a Heloc. 

I’ve found success by networking at local meetups, connecting with real estate agents, and exploring online platforms to discover these opportunities.

If funds for the program are reduced or eliminated it would create a national housing crisis, so generally it just gets carried at about the same level each year.Yes, local governments run out of funds which is why they close their lists or the wait time is very long. 

You cannot beat the power of an ADU for peace of mind, leveraging your home to pay less monthly and reduce your expenses and give you the experience and confidence of doing constriction, getting permits and working with the city and managing a very easy rental.

Burdened with a vulnerable and helpless feeling, I agreed to accept ABC Baltimore’s reduced offer of $95k and closed the buy—back with ABC (we still had to pay closing costs).

I remember the few experienced people I was able to speak with back in the day before online forums.

do you guys prefer to only invest in newer homes  i.e. built after a certain year to reduce the possibility of having to do a lot of reno on wiring, plumbing, etc. or does it just depend on seeing the house and determining the condition that its in?

Unless you can get the price significantly reduced, walk away Tim!