(and at 85%, you had better be waling on water with your credit and DTI!)

Magdalena, I would say, let get to my website, apply and if you do not like the rates then turn it down - but I will promise you that we will not run your credit until you agree with our proposal. 

Whats your middle mortgage credit score?

They take a hunk of a fee and then deny the loan at the last minute when there is no time left to rescue the sale.I have a credit score close to 800, my husband 770, and we are putting down 100k each, as part of a 1031 exchange.

I looked at my Agent and said: "I don't care what kind of Commerical Property is it as long as the return is good, it's not MultiFamily, and it's in the State of Arizona".To his credit, he started showing me properties.

I would not tell them you are concerned about the dogs and instead just inform them you approved another tenant or find a problem in their credit report or landlord check to deny them with.

First , if I pay to add solar to a house , I will recieve the credit , not the tenant .  

A lot of people start out doing this to establish credit, generate income, and learn the property management/investment process.Most importantly, I recommend you read every book possible on real estate investing.

Most banks are uninterested, including local, regional and credit unions.

My opinion is that we should get as much as possible so that we can pursue a wider range of possibilities, and so that we don’t come up short on any potential deals that we may want to pursue.The difference in the in interest rate between the 80% option and 90% option is a quarter of a percent, which does not appear to be a pro-forma breaker, especially since we are using the HELOC as a bridge loan until we can complete the rehab and seasoning before refinancing into a conventional 30 year loan.Other than the difference in percentage on the HELOC, can anyone think of reasons why a disciplined investor would not want to have a larger line of credit at their disposal?