Many HELOC or second mortgages are fixed interest rates and depending on the loan amount, even offer 100% online and no appraisal requirement for issuance.

Under this method you make your one and only offer; no negotiation, if it’s not accepted you walk away.When I started in real estate investing a couple of hundred years ago, I was a proponent of the first method.  

@Wayne Kennoff- thanks   1) getting a personal referral is a good place to start 2) if you have narrowed down the options to a few -  contact both on the same  days and ask them for whatever  quotes  for your scenario ...ask for a loan cost worksheet  if  possible .  ...if their pricing ends up being  the same - make a decsion based on the  feel  for  cutoner  service you get when communicating with them.   3)  make sure they  disclose all the fees  related to the  refinance  ( not just their  own fees ) ..4)  reviews are   hard to  use to make a decision ( as you found out ) 5) rates are pretty high right now for rental  properties ....if you can wait to  refinance - you might consider doing so ...if you need to refinance - so be it ...Good luck 

Have couple of offers to buy, one is convenience store and the other is storage company.

The custom builders in the area are very competitive and are offering pretty inexpensive builds vs comps.If the lot was purchased recently for 20K and the turn-key cost to build is $200K, after I close on the house (bank said appraised value would be 220K), would a new buyer have problems with it getting appraised over $220K even with other comps selling for 300K+?

Conduct market research to determine competitive rental prices for each unit based on other split-unit rentals in the area.

I was told by the tenant she’d offer up a good deal to get rid of it.  

It also comes with different level subscriptions that you can continue to up grade as you need more features. 

.- Cedar Hill: Offers affordability and a suburban feel with plenty of parks and green spaces.- Grand Prairie: Centrally located between Dallas and Fort Worth, it has a diverse economy and growing population.- Arlington: A bit further out, but it's a vibrant city with strong rental demand due to its large student population and attractions.- Plano: A bit more expensive but offers excellent schools and a strong job market. 2.

How should I write the offer?