Will be moving soon to a (annoyingly) HOCL area for career and to be closer to family.Based on career/projected income, was offered a 0% down, no PMI, owner-occupied option (Rate is ~4.8%) from a bank we have a relationship with.

The issue is The bank ( atleast anyone I talked to) wants to see year long leases NOT -month to month .

I found US Bank to be very receptive to my HELOC needs.

Hello - A property I've had my eye on for a while just came on market in my area, it's bank owned.

Another thing to in mind is wholesale deals are cash deals so you typically can't get bank financing to close them. 

I only wish I was confident I would be able to refinance since I'm self employed without the W2 income verification conforming banks require.

It's intriguing but I believe you run the risk of the original bank calling the loan. 

Generally the same banks, credit unions, savings & loans, etc will all make commercial loans.

Makes a HELOC really tempting, and I'm sure the bank would see me coming from a mile away offering my daughter all sorts of free suckers.

So for me, while cash flow is important, especially to show banks that the properties are profitable in order to get loans on them, I think that an investor should look at the investment as a whole and not just invest solely for cash flow.I would love to get the opinion of the BiggerPockets community on how important cash flow is to them in determining which properties to invest in.