That's a bit of a gamble for the landlord and it means you price your property higher which may draw less interest from someone browsing listings.  

Recognize the work needed to acquire a deal that performs better than your HELOCS rate and payments.

Bottom line -- you can gamble with  some rando contact but you will pay the price if there is an issue. 

For example, "Tenant will not operate any business from the residence, including but not limited to... " I list a bunch of examples like day care, massage, gambling, laundry service, etc.

This is an example where speaking to and communicating with multiple lenders helped me recognize this was weird.

You can also recognize revaluations of assets (appreciation of properties) and changes in accounting policies or corrections of accounting methods.As to your management of accounts, you have a "Chart of Accounts" this is a simple road map of  your accounting system.

If you consistently analyze properties, it will be much easier to recognize a good deal when it shows up.

Please know, I recognize this is an academic discussion (for now) and am just interested in hearing and debating other landlords’ opinions on the matter.

Mark my words, you will lose it if you keep gambling.5.

It's too much of a gamble.