One ended up in court costing close to $30,000 and the second involved a lengthy process with the banks lawyers and mortgage team to get the partner off the mortgage when they went AWOL and didn’t uphold their part of the deal.

Loan should be CTC within a week of contract and investors enjoying the property and filing their STR permit application for Summer..Rate on a 30 year fixed was in the high 6%'s...big job's report tomorrow that could accelerate rate cuts..stay tuned! 

HELOC will not get you much and probably will have a high rate due to the low equity you have.

Quote from @Robin Simon: Its definitely dependent on a lot of variables, personal situation/risk tolerance, etc.But high-level, I would say that there can certainly be a balance - sometimes people forget that when using hard money or any sort of financing, for some reason you need to "MAX out leverage" - i.e. do a 100% financing for a flip or a max cash-out refinance etc..However, most hard money lenders would be totally willing to do a lower leverage loan (and would probably prefer it) such as 50% or 60% LTC instead of the usual max amount. 

I would tell her to deal with the post office and then end communication

And in a highly competitive business that distressed RE is the inventory moves to fast one needs to be able to look at a deal and in 5 minutes decide.. at least to make and offer

As I mentioned, I can't speak to the products, but I can't speak highly enough about Jeff.

Funny you mention the pilots license, for a long time I wanted to get my pilots license to fly helicopters, never ended up doing it but still crosses my mind every now and then. 

you should focus on getting a real estate CPA.As for the bookkeeping - make sure you have someone that focuses on real estate so at least that person can allocate the differences and not make a total mess for the CPA at year-end.

Vacancy in downtown from what I have heard is also slightly higher than the surrounding areas due to all of the new high end apartment complexes that are going in downtown Boise.