Make sure it explicitly explains the process for termination if you are unhappy with their services, but especially if they violate the terms of your agreement.3.

I reached out to local banks and credit unions for a HELOC to finance another purchase and was told I can only get 65% LTV. 

On a recent podcast it was explained that the FEDs can’t tax a loan and the rental income to pay pay down the financing is subject to lower taxes.  

Banks will typically lend from 65% - 80% of the property's value (LTV).

Make sure it explicitly explains the process for termination if you are unhappy with their services, but especially if they violate the terms of your agreement.3.

For now, the tenants need to know, on the day of close, where to mail their rent (or update their auto-pay), how to make out the check (matches the new bank account) and who will be the property manager, with the contact phone numbers of the property management office or person.

When that happens, I apologize for the inconvenience and explain (insert date) was the soonest I could get someone out there. 

You need to find a bank that does income loans

I'm still 'in process' with two banks.

So, my question: any ideas on a better banking/financing options?