As @Scott E. said you can't time the bottom.

E.  

@Ian E.

Morris from what others have said to send out an e mail and say he is just learning of this..

Even before we discovered Port Huron we discussed the benefit of buying in a blue-collar town, with tenants who likely will never be buyers; but at the same time want a clean, comfortable and stable place to raise their families.

Now for the others if anyone has any questions don't hesitate to e-mail me if they need additional help.

A dependable tenant is someone who:Has stable employment in a market segment that is very likely to be stable or improve over timePays all the rent on scheduleTakes care of the propertyDoes not cause problems with neighborsDoes not engage in illegal activities while on the propertyStays for many yearsPeople think that tenants are a single entity with common behaviors.

It is one of those foundational books for entrepreneurs - on par with The E-Myth!

HELOCs can be more flexible than the refinance, but the refinance interest rate tends to be more stable depending on how you set up whichever one you choose. 

If you look good on paper with tax returns, Sch E (in your case), etc, then the bank will be your best friend and get better rates/lower costs.Hope this helps!