Also, do these fees vary from lender to lender and can you save by shopping around on the closing costs?

However, if you want a one stop shop, the place to go is www.City-Data.comUnder whatever city, croll down or search for "See full list of schools" and there will be a link you can press that will go to a page like this one (for Kansas City): http://www.city-data.com/school/Kansas-City-Missou...That should be all you need.

We have one Section 8 property, the tenant lives above a garage/shop that we own and use for the company, in our community, it is not an issue, each unit is considered on it's own.

As far as HELOC, I have shopped around and Santander back approve me for $90,000 with a 5.5 rate.

Perfect time for holiday shopping. 

As @Zack Gerson mentioned...I'd also suggest you shop around for a lender to refinance you if you haven't already.

I have a rental by the base so it mostly gets air force people and another rental in the city, near the shopping areas.

I am by no means a pro at this, but I have read things from various sources and it's been brought up in different work shops as well.

Mostly apts on main st over the retail shops.

Great project there that was allegedly hard fought to get community acceptance, but now is widely hailed.If you're into tiny homes you can tour several of the manufacturing shops in town.