I worry because quite frankly our tenant pool isn't one that adapts super well to change, they aren't that technologically inclined (online / app = payments - lol - some of these folks are depositing cash into our bank accounts on the 5th) and I worry that this change will disrupt, cause move-outs, more fees, etc...Thanks in advance for your insight, heckles and advice.

Wow I certainly overlooked that major fact!

Very specific situation I've got here that I haven't been able to find good information online that fits this unique criteria.I have a friend that has a property that they own free and clear of mortgage, yet they are paying a HELOC of approx. $300 a month for.

We primarily operate in the major metros of Charlotte and Raleigh, but happy to connect and see if we can help or point you in the right direction.Thanks!

Dane, I do not have a specific lender that I personally know in Orlando, Florida, that I can recommend to you however, the advise I would humbly give you is not to limit yourself to just lenders that are physically located in your area and definitely do not limit yourself to working only with banks and credit unions.Banks and credit unions offer real estate investors some major benefits (lowest rates and very good terms)  but their are a few major draw backs (limit on how many properties they will allow you to finance, lengthy times to close, a lot of documentation). 

This is where a majority of my qualified leads come from, I'm not opposed to scouting other areas as well but at this point, I've only been focused on this area. 

@Minh Nguyen The majority of the time we find that the occupants don't abide by the agreement reached at the courthouse either, necessitating their removal by the sheriffs after they breach (which of course takes yet more time).

The cash flow isn’t great as a rental and it has major equity built up.

I suspect the mass majority came from market appreciation.Which areas do you think have the best ROI? 

My experience- I tried to do it on my own, online, and researched a lot.