HOA dues are variable and go up with time.  

This means I'll need to move a variable in my favor.

Is it common for a bank to say that they need 35% down and the longest loan length they have is 20 year variable interest rate?

There are too many variables that computer algorithms just can't account for.

Im sure the pandemic has also been one of the variables in the rise to bringing life somewhat back to normal. 2.

Unfortunately, the income approach is not typically very useful in 2-4 unit properties, since rents typically vary widely, due to many unknown variables.

Some are fixed rate, some are variable.

I just cancelled ReadyMode and switched our entire team over to SmrtPhone and I would recommend you doing the same, until you get good deal flow and consistent results.The dialer has a ton more variables to consider when trying to troubleshoot your problems.

The HELOC would be variable rate for 30 years (10yr repayment, 20 year payback after that).

These variables of investing in real estate are very important to the success of the project.But I'll tell you what!