Have others used your product and what did they say?        

The index uses non-farm payroll employment, the index of industrial production, real personal income excluding transfer payments, and real manufacturing and trade sales - along with some fancy statistical transformations.Let's look at it recession by recession..T-0 is the month of the second consecutive occurrence of the index over 4.0% "D Day"T-1 is the month of the first occurrence.

. - A conventional loan (also tax deductible) and try to take advantage of being able to cancel it with Automatic termination when my mortgage balance reaches 78% of the original value of the property (no appraisal) or Final termination when I reach the midpoint of my loan when it's interest-only product, have a balloon payment, or were given forbearance by my lender. - Or avoid mortgage insurance altogether while putting no money down by utilizing a combo loan.

You're going to need 20% down plus closing costs for just about any loan product out there, DSCR included.

130k sounds like a lot of equity, BUT most second position products are only going to go up to 70% or 75% loan to value. so, you can not borrow a large portion of that equity.

As glorious as they are, HELOCs are a direct to consumer product to strengthen or create depository relationships.

I literally had this same question that I posted two months ago.The long and short of it is:(1) there are products that do what you are asking (Landlordstats in IL)(2)  yes it does increase wear and tear on the HVAC if they set the temp high/low(3)  you are not paying for utilities, so it's not really your place to dictate temp, but set your rent with that HVAC capital expense in mindI chose to replace my analog thermostat with a digital one controlled by the tenant.

Currently, I am a video production professional based in Marietta, GA, right outside of ATL.

We know who not to contact when we have a problem to solve.I'm sure you must have chafed at comments I made in other threads that profit is never a direct product of being in business - it's a always by-product of solving the customer's / client's problem. 

@Tiffany Campbell, in Baltimore you must know the neighborhoods, and put out a good product.