I've had a much higher success rate of people filling out the forms that I have with any of the sites I built myself.

You are paying ordinary income rates on the interest -no way around that.

Thank you Henry, so does this mean they are 21% below street rates with 95% occupancy?

The people I’ve encountered in my 40 + years as a real estate investor and private lender who are successful have the following in commonThey are educated as to principles of real estate; real estate law; and real estate financeThey LEARN something new about real estate investing almost every day, and are open to realigning their strategy, tactics, and portfolio to encompass new information and knowledgeThey SPECIALIZE either in a strategy, property type or geographical area, and become EXPERT in that areaThey have survived real estate “depressions” where property prices have dropped 20% - 50%They understand the difference between real estate investing, operating a real estate BUSINESS, and having a real estate job.They network, for knowledge, capital and most importantly DEAL FLOWThe key thing to consider when you watch a YouTube video, take an “introductory” seminar, or read a guru’s website, is what is the subject persons BIAS?  

Cash flow is around $1k due to my low interest rate and MTR strategy. 

-Should I put the property under an LLC (pay higher mortgage rate, but better protection against lawsuits) or keep under my name?

My question is: we have an unused HELOC for 150k but the rate is 10% (harsh).

Even your price drops might still have you priced higher than comparable homes.Lower your price, but never your standards!

Have more than 1 exit strategy- IE: if you buy a house intending to flip and the market goes bad, have something that would be suitable as a rental as well.  5.Know the area in and out that you intend to buy in - tax rates, HOA's, flood zones (if any).

Also, if you list the property at the higher rate because you’re including SOME of the electric utilities (because you won’t be able to eliminate 100% of the bill.) you’re going to lose potential tenants that are filtering by rent and/or see similar properties for less, causing longer vacancies.