Usually a little lower for your primary residence.

Appraisals are usually higher than a house is worth on the open market.

School is starting in a couple weeks and as soon as that happens the market usually cools off a bit.

Having said that, they are usually a higher interest rate loan as opposed to a conventional mortgage and the max that Suncoast will loan on a HELOC is $100K.

(usually 12 months). 

I want to start out with general real estate discussion forum

About 3-5 weeks but keep in mind that showing occupied usually makes peope think it has less space.

For me it will be totally cash flow based.. run the numbers... in general you will likely get a better return with multi.. on the flip side when it comes time to dispose you will have a broader buyer base for a single family with investors and end users vs usually only investors for multis.. really depends on your plan and goal..

Usually the electric company just switches the name without coming to the property.

Most people also calculate in saving 10% for CapEx, 10% for property management (if you are doing your own then people still calculate it incase they want to have someone else do it later), 7% for vacancies, and usually have the repairs at 10% instead of 5%.