I definitely know the area fairly well and even have some good tenant sources in the Loma Linda area (I'm a professor) and I have to say if you're going to rent to college kids, a Seventh Day Adventist (no alcohol or caffeine) Medical school is a good place to start.

The proposed US interagency guidance proposes larger banks need to hold high quality, (super) liquid assets for a prescribed amount of runoff (overly prescribed/inflexible if you ask me) - rather than relying on off-balance sheet funding sources and a balance sheet full of less liquid investments/assets (they more or less want treasuries or cash to fulfill a low/moderate runoff, with haircuts/limits on Agency MBS) The caveat is that the runoff is what you would see in a low/medium liquidity stress scenario, so they can still project to lean on borrowings in high stress.

Have you looked into other sources of borrowed funds?

The diffusion of carbon monoxide in air is relatively even, meaning that a source of carbon monoxide can distribute the gas evenly throughout the room and house.

The other problem is if the inside of the pipe is not nice and smooth, the liner would assume the shape of whatever it is...so if you have some tree roots that breached into the pipe, that liner would take the shape of the root it unfolds over.

It is really helpful to see someone get down to the roots and be the voice of reason on the forums concerning topics such as this.

I have a decent sized equity portfolio and one of my big goals for 2014 is to learn more and purchase at least one rental property to try and further diversify my income sources.

A good source of capital is refinancing current properties.I'm always looking for new properties (I am currently sub-$100k properties and own 5 currently) so I always need capital.

They were assigned local agents, but that's as far as they went.The problem I am running into, is how to keep my source a secret.

The no-fee refis are generally refis without cash out but some may, would be rather odd to me due to the appraisal requirement.Lenders holding notes or servicing rights would rather keep the loans than lose them in times of falling interest rates or under securitized packages so waving fees is a marketing cost so to speak.If what you're after is a revolving credit source look to a HELOC or line of credit arrangement as a second.