However, given where pricing is at the moment and where it's been heading, given the cost mentioned, you should be able to get lower than 2.99%...I'd bring that up if it's not locked, which it sounds like it shouldn't be.

If your property typically shows better than your competitor and prospects want to have it the moment they walk in then you can ask top dollar.  

(I would also take a few moments to familiarize yourself with local codes for rentals in Dane County/Madison including their Fair Housing protected classes.

Decreased LTVs has do with market risk at the current moment.

I have been hearing that banks are being much tighter with issuing new HELOCs at the moment.

Hi, I'm an entry-level investor just rental property at the moment.

@Ryan Hayhurst I heard the saying that people are moving where the sun shines, and I find that to be somewhat accurate.

I know it's probably not helpful to you at this moment but you need someone with a legal background to advise you and look out for your best interests. 

“the “wish I would have known that / thought of that first” moments?

The problem is banks are not lending at the moment and LTVs are limited.Do you think it's a good idea to get a credit line based on your rental income from another property?