Lowest rates to pull cash out are conventional sources, particularly if you owner occupy the house.

Know your financing conditions and interest rates if you're getting a loan for the property.Deduct all costs from the total rental income to determine your estimated monthly cash flow.

It looks like your state allows you to select a provider and shop for lower rates:

A buyer usually prefers new appliances included because they are getting rolled into their 30 year long term financing and even at current rates that is a lot cheaper than buying them later on a credit card. 

If we look at this number, either cap rate move to 6-7 or rate went down 250bps that could help these folks.For office /hotel valuation, we see extreme valuation goes down 85% to 2004 level.

We were just not looking to buy RE because the rate was lower than current market or the leverage was a little better that's a fools errand . 

Study after study have shown that default rates skyrocket when the borrower/guarantor doesn't have adequate skin in the game.

But, it has a much higher success rate. 

Dominion promised one interest rate and delivered another by the time we got to closing on the second loan.

If we were running a cap rate on these you'd have a worse return than just going and getting some CDs from your local bank and YOU would then have the fun of dealing with tenants paying less than 50% of market rates (assuming your numbers are correct).There's no deal to be had here unless you can bring her down significantly on her ask.