from what I have experienced, like anything you get what you pay for, there are 3 factors with contractors, Fast, Reliable, and cheap,  pick 2,  you will go through these guys like water, then find one that seems good, till they flake,  my experience has been, they always want to get paid before the work is done, "to pay their guys" or something, but they rob peter to pay paul, and are always behind a job or 2, the economics generally doesn't work to hire the expensive reliable contractors, so you end up managing the projects,  I have a Painter/drywall guy, a Handyman, and Carpet guy, i do most of the technical stuff because I dont trust anyone to do it right (my personal issue) you can make the numbers work on higher end, properties, or mid/lower if you squeeze your margins. 

I could technically do that right?

If you want to get technical...I don't see any subtraction for vacancies.  

Would they actually give you a loan that is technically making you a profit?

And will have separate promissory note from the borrower ($20K for my Roth and $10K for his Roth).So technically I'm lending by myself on a single note and he is lending by himself on a separate note.

I am technically a W2 employee of a recruiting agency.I'm beginning to explore what I can to do pick up another  property and secure a loan (preferably from a traditional lender).  

Due to inflation I am technically paying $200 in 1996 value of money today.

It somewhat keeps them from wanting to leave, and still helps with the quicker evictions if need be because it's still month to month technically.

This is because HELOCs fall into more the retail banking genre of products/services, and not so much in the mortgage realm (even though technically they are of course mortgages).

I have taken the real estate licensing course at Guilford Technical Community College.