Multifamily is the only CRE asset class where the government actively subsidizes the cost of capital via "the agencies" (Freddie / Fannie / HUD). 

Check out Tennessee Valley Federal Credit Union in Chattanooga for a HELOC.

I set aside almost $96K in federal and local taxes, and I needed have to do another complete rehab if I kept the property.My conclusion, at some point, it's worth it to sell.

My husband wants to keep his Nevada state residency to file income tax there (NV doesn't have state income tax) but we would like to file jointly for federal income taxes.On the Utah State tax website it says: "A married couple who files a joint federal return may file separate Utah returns ONLY IF:one spouse is a full-year Utah resident, ANDthe other spouse is a full-year nonresident."

I am strictly looking at my federal return, nothing to do with state.

This is a good punch-list that all investors should use, not just new or inexperienced.New Western is a wholesale mill for sure, but they also use licensed agents to complete their transactions, who are governed by state license law. 

Same thing here with discriminating against a private pay applicant because they're not government guaranteed income.

I sold what was left and decided that I would never again buy property where the government could lie & turn against you.

A crucial point for property managers to understand: If you release the credit report to the landlord, or any other party, you just became a Credit Reporting Agency under the Fair Credit Reporting Act (federal law). 

Treasury that would allow federally chartered banks to move onto their turf."