Though my guess is online banks only do bench top. also know that banks almost universally want heloc appraisals to be conservative due to the nature of the debt (revolving) 

Is there anyone working in the Virginia area that has a contract tha is currently being used or one that is universal?

However the location is about 10 min from 2 major hospital in the city as well as 10 mins from a major university.

They may be putting "warm bodies" in there to push occupancy. 

@Dion McNeeleyThis property is in the next city over from where I worked at the time (about 15-20 minute drive) so when we wanted to buy another house and move we used the reasoning of “we are trying to move closer to work and university” and the banks gave us thumbs up!

"As Vice Money puts it, "American marginal tax brackets aren't too different from Canadians', yet [Canadians] get universal health care and [Americans] don't."

If you are going to be house hacking and renting out the rooms in your house then you'll probably want to be walking distance from a university such as CSULB, CSUF, or Chapman University. 

I'm a university graduate who works a 9-5 job currently.I'm looking for some insight on how to successfully finance a deal for approx 19 units between 3 properties in the uptown core.

Warmly,~ Ebony

I think he was more asking along the lines, here are the rough back of napkin numbers, is this even worth my time.1) His financial goal is to Rehab this property that he estimates to need $30,000 in rehab so that he can cash out refinance at 147k and roll that into a new property2) He has a property in his sights, I assume he wants to put an offer in ASAP, and start rehab ASAP, given his full time position and savings, he probably wants this project complete in less than two months so he can rent and cashflow3) Offer>Close>Rehab>Rent>Refi>Repeat4) Second property, I assume he has an idea on how he wants to offer and negotiate>Credit Union to fund Purchase and rehab>I hope he's thought of how to rehab>Will probably reuse his method of renting that he uses on his first rental>Most likely plans to use the credit union to refi>Repeat5) Has said he plans to offer lower>Find a good meeting ground>$30,000 rehab goal>$1050/Unit Goal>$140,000 Refi Goal6) The university town is his market7) Realtor>Credit Union>Credit Union>Prop Management/Self Manage, whichever he currently uses on his first property>Credit Union>Repeat8) Same as step 59) you missed step 910) Each part of the process flows into the next@Yollan Kitsoukou To  Joe's point, these things need to be on the back of your mind but don't be discouraged if you don't have each of these things figured out fully.