Sit down with a blank sheet of paper and think about all the mistakes that you made and what you need to do better next time.  

Most lenders want your combined loan  balance (primary loan, secondary loan... plus HELOC) to be 85% or less.Right now, you're already sitting at 80%-85%+ depending how long you've owned the home and how much it will appraise for.

They sit on their butts and collect the extra money at your inconvenience.

We obviously do not sit here and get paid the same regardless of how many mortgages we do, so anything that has a built in refinance mortgage is great for lenders. 

She had over $750,000 sitting in the bank doing absolutely nothing, she asked me if I could help her find a single family as a rental property.

She had over $750,000 sitting in the bank doing absolutely nothing, she asked me if I could help her find a single family as a rental property.

I gave my $300,000 move-in ready beautiful vacant home to this large well known local co in Oct 2016.( Ive owned and self-managed another very similar rental in the same subdivision-- since 1998--and it has never had one day of vacancy in 16 years-- rented at $1860.)This professional pm co put all utilities in their name on my new property and turned the hot water heater ON and the Water ON ( even tho the main water cutoff valve is easily accessible in the coat closet beside the garage, the entire 3 months they 'managed it').They let the property sit VACANT OCT-NOVand on their "routine inspection on Dec 1, to make sure hobos had not moved in" they SAW the water heater in the garage was spewing (at full blast) A 20' stream/ fountain of HOT WATERand that the entire finished closed garage was covered COVERED !!

What kind of holds me back is I see the properties sitting out there a bit longer.

You might be an amazing widget salesperson but hate the people that sit there and bicker over if the chandelier causes too much of a reflection on the granite counter in the island.

I talk daily with landlords and they tell me they are sitting happy as the rental prices in Atlanta have shot up so much over the last 5 years.