Tips for hard money lenders - Any great tips for dealing with a hard money lender as a beginner? 

@Jason DiClemente thanks for that tip, I guess I didn't even think of that and would probably have just assumed a refi would be just as hard to come by because of the same reason lenders are balking a bit now but your saying the game changes a bit when you show 2+ years of income even if its a strange situation like this 2 homes on 1 deed deal?

thank you.For the adjustments to ARV, do you have any tips on how to calculate the adjustment amount in a local area?

My issue comes with my DTI ratio being too high to have both properties on my credit report. 

May have a better chance if it was a small local servicer, credit union, private money lender.

Great tenants, want to keep this one.four properties on a business line of credit, interest only, the interest rate just increased to 6.5%. owe 200k, monthly payment around $1,074.  

Someone mentioned to me that it could be presented to bank for an amount and ask for a credit back for repairs.

These can eat up a significant amount of water.Shut the water main off and see what happens.You can also contact the water company, explain the home is vacant, and ask for a credit.

@Brian Orr Give me a little credit for starting my day at 3 am.

It's come time for me to sort out my insurance and I thought I could set it up on monthly payments and this might be a good way to help me start building a credit rating, but it seems that in general, insurance companies won't report to credit agencies unless it's negative.