If you can't get a response, I'd find another broker, he may be too busy and wants to hold on as long as he can.In general, lenders are getting tougher on underwriting since low rates don't leave much room for margin of error, so want monthly updates on I&E during the process, maybe larger reserves also.Right now in OR, my biggest issue is with appraisers.  3 years ago when banks wanted apt debt, I thought they overpriced stuff, now they're going in the opposite direction. 

Turnkey stuff and high demand areas are gonna be tough, because there will be multiple offers.I'm always looking at the MLS but last summer I also started doing direct mail and texting owners. 

Hey Brett, I did some of the work myself - basic stuff like drywalling, painting, landscaping etc. but I did have my assembled crew working with me as well.

As Amish Tolia said you were light on some stuff but conservative on others and overall if it’s in good shape has a chance to perform nicely, especially if you included the debt service from the HELOC.If stuff at these numbers is attractive to owner occupants as opposed to just investors then exit is much easier (and more profitable) and you have a few thousand in pay down to include in your overall return.

To clarify, here's a breakdown of what we have:Income Tax and Bookkeeping business- Sole P in my wifes name (getting ready to convert it to an S-corp)Hair and Nail Salon- Single member S-corp in my nameWife is self employed as an S-corp (she booth rents from the salon I own)Commercial real estate LLC - 5 unit commercial building (wife and I are partners)Commercial real estate LLC - single unit commercial building (wife and I are partners)Residential LLC - Holds all SFH's (wife and I are partners)Master LLC that controls every investment property.I know we have a lot of moving parts.

That stuff gets noticed and you will slowly work your way in. 3)Going back to step one, pay for it as there are a ton of great coaches, trainers, mentors out there.

Tough with all this Covid stuff.

Right off the bat we first fixed up a bunch of stuff.... added a gate with key-pad access control.

Fix important stuff like the roof, siding, doors and windows.

On the BLM stuff  the best thing i have seen was a Black father of 4 boys with an open letter to Lebron James.. and its was excellent.. the up shot was much of these issues start at home its worth a read for sure..