Depending on how much the property is worth the refinance can be used to improve the property.How much are the properties worth?

Ask the MLO what can be done to improve the DTI. 

You obviously will get better deals with fixer uppers but expect to put in some sweat equity whereas turn key will generally save you time + energy. 

We improved the amenities by extending the pool deck, adding a large pergola, bought new pool furniture, and added a grilling/seating area.

I hope to start investing in South Jersey so I can focus on my first property and learn from the things I do well and also the things I can improve upon.I am so excited to join the BP community and more than willing to put in the hard work to learn from all of you!

Not too many commercial lenders are going to refi you based on ARV of the property 3-6-12 months after purchase just because you made some improvements to add value.

I'm hoping that would imply there's room to increase the rents via improving the quality of the units.Thanks again for the response and educating us on what DSCR & CAMs are about and how those figure into the numbers, we really appreciate your input.Cheers!

The only gift I ever give is a $50 referral if they send me a good person and I end up renting to that person, or a referral for my home improvement business.

After that, Mutual funds are next tax efficient compared to another investment vehicle.

You would have to be seriously slow upstairs not to understand that if Homestead's borough budget was increased by 50%, they'd find at least SOME useful things to do with the money that would lead to improvements in the area.But obviously a lot of people weren't paying attention, and now, they're scrambling.Rankin...well, I guess that's way too much to expect, but I thought I'd throw it out here.