I keep seeing “APR as low as yadda, yadda” but it really doesn’t help in my comparison, as I have no idea what rate I would actually qualify for.Also, I’m in Charleston, SC and a member of the NFCU, and I’m currently comparing NFCU, BB&T and South State Bank, but I’d welcome any other suggestions of banks/credit unions with great rates/terms!

I have a house which I bought on a line of credit (low interest rate, but tied to LIBOR).

I found a property I can get for about 100k and I think once it is fixed up I can sell in low 200s or rent out.

For the low cost of umbrella insurance, and how much it covers, I think it’s well worthwhile.

The ROI differential of putting $40K into a $100K property as opposed to putting $100K all cash into the same property will be significant, and that few hundred dollars of taxation plus the cost of a CPA to do the IRA tax return will be a small reduction in the benefits of using leverage.

I only wish my CU from Texas could lend in North Carolina.I'm now leaning towards Champion, a small Credit Union in town that was founded in the 30's and has a good range of business lending options, and low fees.I've still got calls out to a few others.

having a difficult time using both the brrrr and fix and flip calculator because i intend to live in the property for 1 year so not a rehab. these calculators seem to assume i won't live in the property. based on the factors below, i'm hoping someone can poke holes.arv=270krepair=my father who is a general contractor is overestimating at 35k (it's definitely livable, but there's opportunity to upgrade/update such as the roof, floors, cabinets). i'd live there for a year and plan to either flip or rent after the year.annual expected property tax=$7.5klisted price is around $235k ($/sq ft is below comp average)comps within the past year for similar properties around $260-$280kpreferred profit (not too sure about this) but $20k is a target...i guess.estimated rental based on recent is $1.8-1.85k/monthi was thinking about offering $210k max, but the calculators recommended an estimated purchase offer between $160-$175k, which seems extremely low given the livable condition.what am i calculating wrong here? 

It has good schools, low crime, and it's near the hospital.

@Dax Gurr For the most part, I would recommend staying out of the inner city, certainly the low end sections of it.

Actual vacancy rates across the city are very low.