Terrible reviews almost everywhere on the internet and needless to say my experience was identical to the reviews posted. 

Multiple massive studies have been done that showed that overall returns in RE in "boring" cash flow markets, like the midwest or south, have averaged IDENTICAL returns to "hip" places over multiple decades. 

If their loan is set to mature in a year then that might mean there is more motivation for them to make a deal happen rather than a loan that is maturing in 5 years.I would be more than happy to discuss this with you, I am located in Ohio but I love asking questions!

HELOC is a great tool to preserve, and allow a maturing mortgage to improve the PI ratio, improving your equity position, which improves your borrowing capacity.  

Jim’s prices are almost identical to what I’m paying. .50/ sq ft of drywall is the highest I’ve paid and .50/ sq ft to paint.  

That is what I've done.I'm personally not a fan of most of the yellow letter material because I see so many identical post cards from different people.

The reality regarding appreciation for both Danny's property and my properties is that we have realised a identical return on appreciation.....Zero.

An almost identical home across the street is for sale for $115k and comps that have already had the aluminum wiring replaced are selling for $130-$140k with the same sq ft

The #1 cause of delayed financing going south, by far, is that the sourcing of the funds used to purchase cash is identical to the sourcing of down payment funds used in a financed purchase (sourcing all large deposits bla bla bla).

A lender may or may not release you from a personal guarantee Even when loans are made on a non-recourse basis, the lender is relying on the experience and management of the company owner, changing ownership with management can put you in the same situation of having a loan accelerated to maturity.